I have been observing significant shifts in the way advisors, companies, and professors view investing and client strategy. Moving on to AI-powered analytics in behavioral finance, it seems the field is developing at a rapid pace. What do you consider to be the most promising areas of research inwealth management research topics in the present? Is this a shift toward more technology-oriented approaches or a shift towards human-oriented financial planning? I would be interested in knowing what trends you consider characterizing the next ten years.