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What are the biggest challenges for the HNW and UHNWI marketplaces in 2020? At Lombard International we are a pure player in that space, that have been so for about 25 years. And we’ve seen some interesting development in the demographics and the dynamics as well of that space. Obviously there have been a number of trends that we’ve seen across the world with the emergence of Asia and South-East Asia becoming a huge hub for HNW and UHNWI in particular. And obviously we are following this closely and trying to capture some of that wealth there. At the same time we’re seeing that there is more and more influence of ESG, and there are more and more sensitivities around the legacy that those UHNWI are going to leave when they transmit their wealth or when they move on to the next phase of their life. So that is one thing that we are keen to capture, this is definitely part of the conversation we have with policyholders, but also obviously with asset managers and family offices when they deal with those individuals.