Great overview - thank you, Amin. As a Middle Easterner, and former microfinance specialist in Egypt, I would like to suggest a couple other points. First, not everyone in MENA is Muslim, and if they are, there is a varying degree of religiosity that would lead to requirements to utilize islamic Finance resources. I question the nature of the relgiosity question itself, by the surveyers, and am curious about the methodology. In my research, I found that while many people wanted to "save face" when asked if they would prefer Islamic Finance over Western alternatives, in practice they did not really care. Moreover, tweaks to the application of Islamic Financing in some circumstances often were "under the table" ways of effectively turning an Islamic Finance product into a Western one, without the name association. Would be curious to hear more on this. Many thanks.