If I may ask, Phillipo, how did you finance your MBA at INSEAD? You don't have to answer obviously. I had an offer from INSEAD for their MBA, but when I put down on piece of paper how much it would cost me I didn't give it a second thought. It was too much of an investment for me for an MBA. Congratulations, however. Manager position at KPMG sound good, but surely you can do better then KPMG with INSEAD MBA. I know some managers from big4 with bachelors degree from far lesser known universities and/or business schools. Of course this doesn't matter if they will pay enough for you to realize some ROI on your MBA investment.