If I take the

If I take the tech perspective, what we have done consistently for the last four years is perpetually go around the fundamentals. 

When I say perpetually go around the fundamentals, I mean that we strongly believe that in the product space, tech is the differentiator. In the non-product space, your business model may be the differentiator.

For example, if you want to get into the fintech business, then technology is perhaps a minor differentiator, but your business model is a major differentiator.

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