Now obviously there's only one of those we'd like to do and today's about what we're going to do about the future, so I think we should think about evolving as part of that process. But all the evidence in history is we don't evolve until we have the crash. All the evidence of history is that we don't respond until we have a crisis and we soon have the global financial crisis and a whole range of different other examples of World War II and appeasement and so on. We'll respond when the crisis hits, so the very important issue is when the crisis hits. New York Times' Tom Friedman referred to this moment recently as 'When Mother Nature and Father Greed hit the wall at once'. Lovely quote. 'When Mother Nature and Father Greed hit the wall at once'. Right? Referring to the great disruption which is what I refer to as being this time when we are forced to change because the system stops working for us and therefore we have no choice but to adapt and to respond.