When you look at South Africa and what you are seeing through the FPSB globally, which trends do you think we need to pay most attention to right now, just where we are today?

Yeah, Fransjo, that's a loaded question.

You know, I was at a conference yesterday and I spoke to an IT professional and I said to the IT professional, What you are seeing on your side from a technology point of view, what do we need to do better? And his answer did not surprise me.

And he said to me, as humans, we need to get better in working with humans.

So that is a trend that we see in all the professions, from medical to lawyers to audit to financial planning.

And it's not unique to what we see.

But I'm going to share with you this.

But what parts of financial planning is going to become less valuable?