On AI, I also recently realized that there is a huge transformation. Like tech challenged people may lose the jobs but there are also another set being created where the AI needs human input for the work and the analysis so it would be possible that there is another set where people need to be expert to even get AI to make it work. So we have a lot of things changing ahead and I suppose there is a huge cognitive crop cutting is going to happen. more dumb people are born, more they would be challenged in tech heavy world in future.