Let me take leave of you with a final thought: do never forget the story about the barber that dates 4/5  BIS central bankers' speeches  back to the years before the 1970s.
His business had collapsed not because of the variety of risks stemming from the rapid pace of technological progress (Schumpeter’s creative destruction) but because of the risk associated with misplaced trust. The world has since changed cinematically and dramatically. In the decades before the 1960s, the life of tools, equipment and machines for production of goods and services lasted for 25 to 30 years.