who don't have access thto basic banking,on people but that is changing. at temenos, with the microsoft cloud, we can enable a banker to travel to the most remote locations with nothing but a phone and a tablet. everywhere where there's a phone, you have a bank. now a person is able to start a business, and employ somebody for the first time. the microsoft cloud helped us to bring banking to ten million people in just two years. it's transforming our world. "you don't want to live with mom and dad forever, do you?" "well...i'm not changing." "how do i check my credit score?" "credit karma. don't worry, it's free." "credit karma. give yourself some credit." ♪ prepare for challenges specific to your business