I will probably cut the discussion on financial inclusion and digital payments because I cannot do justice to these topics without doing 15 more minutes. So I will skip these slides. Concluding Thoughts Let me end by saying that times are indeed very challenging. This is, to say the least, probably the most difficult time I have observed since I joined the Monetary Board.
It is not a difficult time for me; the difficult time is when my wife says, "Do not eat this. Do not eat that." That is the problem when you are married to a nutritionist. But I am confident that, with your help, we can navigate through these challenges.