Firstly, it’s great to be here tonight at the FinTech & InsurTech Awards here in Poland. I think awards like these are very important and let me tell you why. FinTech and InsurTech are hard. It requires capital, it requires a cross-disciplinary team, it requires you to navigate regulation. Then you have to go and acquire a partner to gain a customer base, and on top of all of that, you have to try and win, and be different, and have fantastic customer experience. It’s when people do that, in our community of FinTech & InsurTech, it’s critical we recognise success, and for me, I’m thrilled to be here tonight, to not only look at the winners from Poland, but also those that might dominate across Europe.