Franck Riboud

Franck Riboud

Congratulations: the topics you have chosen to work on are the right subjects. These are the stakes that are going to change the world tomorrow. But, while discussing, be sure of the reasons why you are talking about these topics: the WHY is what really matters. Is it to make more money? Wrong answer. Is it to be more efficient? Wrong answer. Is it to really build the futur of the world? Yes, that is the right answer.


Danone
Chairman of the Board of Directors of Danone
Danone
France

Dr. Jacques Bughin

Dr. Jacques Bughin

Many summits are show horse, not workhorses. Many summits have too many people gathering to listen to big figures, but in an impersonal building. Many summits are just an excuse for a good escape and business card exchange, but not about days of learning about themes/new people. A great summit - is the one where you learn new things, you meet new peers, and you get inspired- all that with a zest of close community, and of marvelous natural surroundings and arts. The G-20Y Summit is just that, especially for the set of young leaders ready to take a step up in their career, and build new leadership.

It has been a pleasure and honor to attend the G-20Y Summit and support the G-20Y Association.


McKinsey, McKinsey Global Institute
Senior partner, Director
McKinsey, McKinsey Global Institute
Belgium

Rachel Barger

Rachel Barger

I'm most certainly going to take back my experience at the G-20Y Summits to my customers and to my company. The more people we can have come into environment like this, the more diverse ideas we can have on how we leverage the power and the opportunities that exist with digital transformation.


SAP
COO SAP Asia Pacific Japan
SAP
Singapore

Daniele Agostini

Daniele Agostini

I have been moderating and facilitating a large number of sessions across the world and it is the first time that I find such type of diversity of very focused and motivated people - it is really a great thing about the G-20Y Summit!


ENEL
Head of Low Carbon and European Energy Policies
ENEL
Italy

Gregor Pilgram

Gregor Pilgram

The G-20Y Summit is a unique platform for insurers, where many insurance sector representatives from all over the world could meet.


Generali
Chief Financial Officer - Austria, CEE & Russia Region
Generali
Czech Republic

Barbara Kreissler

Barbara Kreissler

I feel very honored that G-20Y Organizing Committee has asked me to be part of this. I’m really excited just reading the program, the agenda and the list of participants on the kind of interaction and discussions that we are going to have on global issues that affect us all. 


Signify
Director, B2G Professional Lighting, Global Public & Government Affairs
Signify
Netherlands

Olga Ryabova

Olga Ryabova

I loved the whole idea of top executives coming from different industries and delivering their professional experience to make the best of recommendations for G20 countries heads and for international organizations. You know there was such mood of cooperation, of future understanding I would say. That was really great. 


Former Deputy Chairwoman of the Board of Rosbank
Independent expert
Former Deputy Chairwoman of the Board of Rosbank
Russian Federation

Onur Taysu

Onur Taysu

G-20Y Summit brings a magnificent group of people together who have adopted a global philosophy and perspective.

The G-20Y Association has utilized an effective selection process and following this selection came an in-depth work, consultation, evaluation and idea-sharing platform. In my opinion, G-20Y Summit is an efficient international think tank and networking platform that will mark the future.

The way the Summit was organized enabled me to learn and at the same time, thanks to the positive synergy existent, led me to contribute as well.

I would like to congratulate everyone who contributed and who attended the summit. I wholeheartedly will continue to support the G-20Y Summits and the G-20Y Association.


UCOM Global GmbH
Deputy Chairman of the Board / CEO
UCOM Global GmbH
Germany

Holger Erchinger

Holger Erchinger

I believe the vision of the G-20Y Summit is to make a real and independent contribution regarding what the young generation of business leaders think around the issues the G20 has on its agenda. The G-20Y Summit brings together devoted participants from around the globe with diverse professional backgrounds onto a platform of creative thinking in order to develop some fresh ideas regarding potential solutions.


KPMG LLP New York
Audit Partner
KPMG LLP New York
United States

Jorge Lukowski

Jorge Lukowski

I think the most important thing is to have different cultures, different people, different companies with different interests and all of them in different committees; that they are working together, merging ideas and arrive at consensus. And I think the young perspective which is a different thing – we don't need to make recommendations under any precision of politics or different kind of pressure you have if you are only a company or if you are only representative of government. So I think we can have an opportunity to be fresh, innovating, and creative in order to present a proposal that more recommendations could be actions. I think that the young people would like to take action more than make recommendations.

 


President & Founder
Simple Communications
President & Founder
Argentina

Ekaterina Petelina

Ekaterina Petelina

The whole idea of G-20Y Summit is that young people bring their ideas that might be controversial, that might be a little provocative, but are fresh. And they share it with the business community. I think and I hope that what we accomplished during these three days will actually be meaningful and will impact the decisions and discussion of G20 leaders.

I just have a habit – wherever someone asks “who?”, I just put my hand up.  And this is not the best habit I have but when they asked the volunteer to be Co-Chair – I just thought that I have relevant experience as a former consultant, as a former Head of Strategy of VTB group and a business leader now. I think I have the relevant experience to talk about financial stability and financial regulation, which was the topic of our committee. And I think it’s a very important topic and it’s really one of the top items on G-20Y Summits agenda. Because without financial stability as we’ve seen before it’s really impossible to deliver growth, to deliver prosperity. I really enjoyed working with our committee members, we had ten people from different countries, different economies: Europe, UK, Russia, Malaysia, and Japan. It was interesting to see what similarities we have, what differences we have and different and similar ideas that we share. I think it really enriched my understanding of the industry at the global level and I believe we were able to deliver some meaningful and practical recommendations.

The most interesting moment for me of the Summit was the dancing master-class, because I’d never thought that you can learn how to dance tango in 30 minutes. I think our teachers did a very good job: very simple moves that everybody could repeat and learn within 30 minutes. It was a very good G-20Y and a very fast delivery of results.

 


VISA
General Director
VISA
Russian Federation

Philipp von Girsewald

Philipp von Girsewald

I think it's great to have young business leaders, participating in the G-20Y Summit, who come together from a broad variety of expertise and cultural background, and who come together to discuss certain topics of particularly interest at these times and who try to find the solutions. I think it is not important to have technical expertise in each of the subjects, discussed at the G-20Y Summit. I think it's great to bring in your general expertise, your cultural background and a lot of common sense to come to some proposals which otherwise couldn’t be brought up.


Deposit Solutions
CEO US
Deposit Solutions
United States

Rolf T. Pasel

Rolf T. Pasel

You have many business meetings during the year, you have many seminars where you learn something, but these are always in your industry with the same people talking about the same topics. So bringing together business leaders from different industries, geographies, different levels across the G20 – this is interesting. I mean you don't often have the opportunity to talk freely, open-mindly about these kind of topics and discuss the challenges and thoughts of G20 of today.

The Co-Chairing was an interesting experience, because in the end of the session you had a different perspective, different people to integrate. I thought about it before doing the Co-Chairing: one of the important things is not to lose somebody during the process.

 


Atos International
Senior Vice President Global Solutions
Atos International
France

Frank Klaas

Frank Klaas

Arriving here I saw very fascinating group of people, acting together, discussing together and for me the first step towards understanding G-20Y was to see that this is like a market place where international global people can, without borders in thinking, be together and this is for me the most important aspect.

G-20Y for me stands for creating a global world of communication. We don`t have problems understanding each other and we are probably not creating results, but we are creating the right solutions to create results in the future.

My job was always communication; I’m probably an expert in crisis communications. I think G-20Y is a fascinating opportunity, where people can start to communicate and start to discuss with each other, have the opportunity to meet people from Europe, from Brazil, Australia or Russia, and Italy, and Spain and to share experiences. That is the fascinating world of G-20Y.

I’m a part of a huge financial organization. The whole financial world is today seen a lot in the media. We have here the opportunity to show that we are interested to have a dialog with a lot of people who want to change the world, to develop a new way of acting together. I think it’s very important not only for me but especially also for the industry to have this opportunity to be in an international dialog. I think it’s a great opportunity!


Deutsche Börse Group
Managing Director Global Public Affairs
Deutsche Börse Group
Germany

Ananthakrishnan C. Bhoopathy

Ananthakrishnan C. Bhoopathy

It's a really good opportunity for people from India because this is the second time we had a delegation to G-20Y Summit. I'm only one person but I hope that probably the message from us will be that more and more Indian participants should be here, because it gives real good chance to interact with people from many countries and to get to know all sorts of issues, global issues which are current and which need to be addressed in future.

The evening events were really enjoyable – especially the day before we had concert over here – it was really enjoyable.

 


Hindustan Aeronautics Ltd.
Additional General Manager (Finance)
Hindustan Aeronautics Ltd.
India

Manuel Ortigao

Manuel Ortigao

Having read the information that was sent to me I immediately concluded that it’s a very interesting organization with very ambitious objectives and for me to be part of the G-20Y Summit would be a challenge and I immediately accepted the invitation and I`m very happy to be here.

I expect that we will be able to put together a few recommendations to the G20 governments and that these recommendations will contribute to improving the working conditions and living conditions of citizens across the world. 


European Foundation for the Improvement of Living and Working Conditions
Reseach Manager, Working Conditions and Industrial Relations (WCIR)
European Foundation for the Improvement of Living and Working Conditions
Ireland

Anton Kotov

Anton Kotov

I think we all, participants of G-20Y Summit, care about our planet and we are not indifferent to what is happening in the world.

The organization is fabulous. I can only say the words of compliments and I have been very impressed with both: the quality of participants and the way the event is organized.

I would be very delighted to continue and I definitely recommend this event to my colleagues in Schneider.


Schneider Electric
Corporate Strategy & Development Director
Schneider Electric
France

Valerie Diele-Braun

Valerie Diele-Braun

Having been nominated by DSM, I felt very honored to be able to attend this event as it had always been a dream for me to participate in such a venue. The G-20Y is for me the small version of the WEF and a learning ground for young executives to exchange thoughts and ideas, make connections and work on the future with other smart people. Having more and more burning issues in the world, such as the economic crisis, the change of demographics and the environmental shifts to name just a few, I think it’s fantastic to exchange views with a wide variety of people and to come up with suggestions that might help to shape our future positively.


Royal DSM
Head Sales & Product Management Personal Care
Royal DSM
Netherlands

Ann Haugh

Ann Haugh

Thank you so much for a challenging, entertaining and worthwhile G-20Y Summit event. I thoroughly enjoyed the people, the atmosphere and the challenging opportunity presented to us.


Zurich Global Corporate
Chief Executive Officer
Zurich Global Corporate
United Kingdom

Paolo Sarcinelli

Paolo Sarcinelli

It's pleasure for me to be invited for the G-20Y Summit. It's been interesting two and a half days of work. There was a lot of discussion. I think at the end we have been in a position to have a positive dialogue between different members of the Committee. And we have been able to find and put together a nice compromise on a number of controversial matters.


Intesa Sanpaolo
Head of Credit of Intesa Sanpaolo SpA's International Subsidiary Banks Division
Intesa Sanpaolo
Italy

Alistar Rose

Alistar Rose

We are fortunate that we had participants across a multiple different countries across the world, from different types of organisations, from different sectors. We had a very interesting lively debated times. I think it was of a very high quality. I realized the depth of the conversation to be going on in the each of different committees. I think the whole concept behind the G-20Y is great.


Tesco Plc
International Director for Telecoms
Tesco Plc
United Kingdom

Kartini Sally

Kartini Sally

The working process was wonderful. Because we can see a lot of people from other countries: Brazil, from Malaysia, even from UK –a UK person works in China, he shared his experience in China and also from US. We share all information and all the practices of how to fight corruption in our country. We are very surprised that there is actually only one conference – United Nation Conference about fighting corruption and also UOECD conference against bribery.  But I think not all the countries have ratified and implemented the conference, maybe  we should give some views, some recommendations that all G20 countries and other countries can implement the United Nation Conference and UOECD conference against bribery. There have been discussions that fighting corruption, money laundering and also bribery and financial terrorism are linked together, so every country should be aware about these issues, this not only a problem of developed countries.

My president  attended G-20Y Summit last year in Mexico, he asked senior level manager in Bank Mandiri, he shared his views of G20 of last years, so this is a good opportunity. We are going to send our senior manager to G-20Y Summit.

I think it's a very good opportunity for me to attend G-20Y Summit. This is first time I have attended an international Summit with different views and different subjects. I usually attend workshops or meetings about banking, just only banking but there are more issues we can discuss together. 


Bank Mandiri
Executive Vice President
Bank Mandiri
Indonesia

Caio Ramos

Caio Ramos

For me it was a big honor to come here because I think it's a good forum in which many countries in the world including the emerging countries can discuss and debate all the problems that they have and try to come up with some suggestions for the future. 


Suape Port and Industrial Complex
Vice President
Suape Port and Industrial Complex
Brazil

Mathieu Staniulis

Mathieu Staniulis

I think G-20Y is such an important event in the world because as the young leaders we have to tell the world what we think and what we should accomplish in the next few years, because we have a responsibility to make things change and make a better world.

I worked on the “City of tomorrow” Committee – we had a broad issue to talk about, we tried to figure out what the city of tomorrow would be like and one of the things that I’m very happy to see in the result is that we talked about local communities – how we should design the cities of tomorrow with strong local communities where you can actually get involved as a citizen in your community to share services and actually go further with the challenges the city now faces.

The G-20Y events are nice because you actually have a lot of real work during the day it's so much fun to work with a bunch of people from all around the world with different backgrounds – this is very interesting. And then at night you can socialize, talk to those same people by the way with a more personal feel – this makes the entire experience, so much fun.

My favorite event was the opening Gala ceremony. Our company Desjardins, we got an award for our 3-year friendship with the G-20Y. So it was quite nice experience for us to receive that award. 


Desjardins
Senior Director, Internet and Mobile Solutions
Desjardins
Canada

Irina Bakhtina

Irina Bakhtina

There was no question of whether to participate or not actually when the invitation arrived because, for our company, it is incredibly important what exactly is on G20 agenda, not only this year, but in general. Over the last period of time Unilever was Co-Chairing the “Food security” Committee on the B20 initiatives in Rio with a quite valuable contribution, I hope, to the Communiqué which was produced by this committee. For us food security is not just an empty word and we really look to this agenda and how it’s being approach by the government on the G20 level.

What was specifically interesting about the Summit, actually, was the combination of participants which attended. The executive level of the biggest international corporations and some of the real big and significant Russian corporations, as soon as we are in Russia we are speaking about this, representatives of the international non-governmental organizations as well. I believe, this is an incredible group of people, I believe, team of people, who got together in St. Petersburg are really invested their time, not having to open e-mail and stuff which we left behind in office, but really invested our time, being focused on the agenda, which is with us today; and really trying to share the best ideas, many fresh ideas by the way, the most creative ideas I’ve ever heard, on those important areas of real G20 interests.

The program is really sophisticated: dance master-classes, the whole atmosphere of the classical music, combination of it and really amazing atmosphere of the city itself. It's the best season in the city. I believe it's something that going to be quite memorable. 


Unilever Rus Ltd.
Communications Director Russia, Ukraine and Belarus
Unilever Rus Ltd.
Russian Federation

Jose Joao Batista Stival Jr.

Jose Joao Batista Stival Jr.

It`s important to be here: from the political part and also from the private part.

It's a unique experience to meet 20 countries partners and discuss the same themes. It’s shows that we are going to the same direction – we want to have the same result. For sure a discussion of the mid or long term will be useful for me and for Brazil and for all the countries. 

About the organisation I just have to say that everything is perfect!


Cooperfrigu
Export Director and New Business Development
Cooperfrigu
Brazil

Raimund Kirchleitner

Raimund Kirchleitner

In my eyes, the G-20Y Summit is a unique opportunity to interact and communicate to motivated young ambitious c-executives; and to also interact with people from other business sectors.

I think it is super important to have the young generation of c-executives round one table at such aconference to exchange ideas,and to forward these ideas to those who are really on the steering-wheel regarding the future of our planet. I believe by havingworked out our papers we can somehow, let’s say contribute to the future and a better development of the world, whereby in our working group`s case especially regarding the financial world.

I believe it was quite useful, quite interesting, even if we were discussing theoretical topics mainly,but this is the purpose of this one. It was in any case also interconnected withreal life and with taking concrete action in the future. I was also able to extend my network, meet interesting people, which I will follow up with in the future. I found it quite useful, also to experience St. Petersburg, which is truly a nice place for this event. I also enjoyed very much the side events.

My favorite one was the yachting regatta – it was really good fun. We had perfect weather, even if we were lacking wind, so we were not really going that fast, but nevertheless it was good fun. Unfortunately we only got the second place – so we were the first loser. But nevertheless it was not really about competition – it was much more about fun and communication. For me it was alsoa nice opportunity to have my daily swim in the Gulf of Finland. I really enjoyed it very much.

 


St. Moritz Bäder AG
Chief Executive Officer
St. Moritz Bäder AG
Switzerland

Alastair Grier

Alastair Grier

G-20Y benefitted both me personally and also RBS. The different cultures and points of views were interesting and refreshing. What came out most is that the challenges that our customers have in the UK are also the same challenges that customers have in many different countries from India to France. This gave me excellent insight into new solutions for our customers and also into how RBS could better support at a macro level, the UK economy. 


The Royal Bank of Scotland
Chief Operating Officer of Business & Commercial Banking
The Royal Bank of Scotland
United Kingdom

Committee Chairs

Prof. Dr. Holger Erchinger Prof. Dr. Holger Erchinger

Partner with KPMG LLP in New York
G-20Y Summit Advisory Board Member, Shadow Banking Committee Chair

Holger Erchinger is a G-20Y Summit Advisory Board Member since 2009 and also a Member of the Strategy Committee.

Holger Erchinger is a partner with KPMG LLP in New York since 2008 and has over 17 years of experience in providing professional services to different public and non-public clients in KPMG offices in Munich, New York, and Berlin. In addition, from 2006 to 2008, Holger served as a professor for business administration at Berlin School of Economics and Law and published about 40 papers and studies regarding international accounting, corporate finance, and securities regulations.

Holger Erchinger also serves on the Board of the International Association for Accounting and Education Research (IAAER), as Vice President Practice of the International Section of the American Accounting Association, and is speaking on a regular basis at universities and conferences.


Philipp von Girsewald Philipp von Girsewald

Deutsche Bank Group, Global Head of Corporate M&A
G-20Y Summit Financial Stability and Regulatory Issues in Emerging Markets Committee Chair

Philipp von Girsewald is the Global Head of Corporate M&A and responsible for all of Deutsche Bank’s M&A transactions for its own account. He has successfully executed numerous transactions with a total value exceeding USD 30bn, most recently Deutsche Bank’s biggest ever acquisition of Deutsche Postbank in Germany.

For the last 13 years, Philipp has been with Deutsche Bank. Back in 1998, Philipp started his career at Deutsche Bank working on various corporate M&A transactions. From 2003 to 2005, Philipp was as Head of the Corporate Investment Americas business, based in New York, responsible for the successful wind-down of Deutsche Bank’s private equity business in North and South America and the Venture Capital and Private Equity Funds business globally. From 2005 to 2009, Philipp was the Deputy Head of Deutsche Bank’s Corporate Development (AfK) department, based in Frankfurt. Philipp is a member of Deutsche Bank’s Group Investment Committee. Before joining Deutsche Bank, Philipp worked at the Boston Consulting Group.

Philipp holds a Master of Economics from the University of Bonn, Germany.

Philipp is living in New York and spending a lot of his time in Europe. Philipp enjoys running and sailing.


Fabrice Noilhan Fabrice Noilhan

Head of Studies and Development Gas and Southern Europe EDF
G-20Y Summit Integration of the Perspectives of the Islamic Countries into the G20’s Mission and Governance (a) & Regional Conflicts 2011 (i.e., Countries in North Africa) – G20’s Potential Role (b) Committee Chair

Mr. Fabrice Noilhan has been Head of Studies and Development for Gas and Southern Europe within EDF since 2011. He is in charge of building EDF’s strategy for developing its gas business worldwide and for reinforcing its presence in Southern Europe. He is also coordinating implementation of this strategy.

He served as head of Gas Strategy, Regulation and Economics in EDF's Gas Division from 2009 to 2011.

Mr. Noilhan began his career in 2002 in the French Ministry of Industry as head of Poitou-Charentes industrial and technological development.

From 2005 to 2008, he served in the French Ministry in charge of Energy as head of oil & gas international supply office, when he became Deputy Head of Security of Supply Department. He was in charge of French security of supply in oil and gas and bilateral affairs related to hydrocarbons with foreign countries. During those years, he was France representative to European Union, International Energy Agency and Energy Charter official working groups and participated to the definition of G7, G8 and G20 energy-related action plans. During the French presidency of the European Union, Mr Noilhan was in charge of the energy security priority.

Mr. Noilhan is a chief engineer in the Corps des Mines. He graduated from France's École Normale Supérieure in Mathematics and Computer Science.


Nicola Melchiotti Nicola Melchiotti

Country Manager Mexico, Enel Green Power
G-20Y Summit Climate Change and Green Growth Committee Chair

Nicola is in charge of the Mexican operations of Enel Green Power. He manages a portfolio of hydroelectric, wind, solar and cogeneration plants, including assets in operation and under construction and he is director in the boards of several energy companies of Central America.

For the past 4 years, Nicola has worked in Mexico, Central and South America, supporting the senior leadership of the company in the creation of an effective organization in the region.

During this period he was in charge of the External Relations of Enel Green Power in Latin America and he gained invaluable international experience regarding energy, regulatory and institutional issues in emerging markets as well as intercultural and management skills.

Prior to joining Enel, Nicola worked for McKinsey & Co advising clients based in Italy, Switzerland and Algeria in various fields including energy, finance and operations. He holds an MBA from Harvard Business School and a Master of Engineering from Ecole Supérieure d’Electricité (France) and the Politecnico di Milano (Italy).


Alistair Rose Alistair Rose

Tesco Plc, International Director for Telecoms, UK
G-20Y Summit Innovation, Technology, Communication, Social Mass Media and WikiLeaks – Opportunities and Risks Committee Chair

Alistair is a Director of Tesco plc, one the world’s leading retailers. He is currently responsible for Tesco’s consumer telecoms business in the 13 countries across Asia and Europe (excluding UK) where Tesco operates. Tesco has already established a successful telecoms business in the UK operating both as a retailer of telecoms products and services and a service provider of Tesco-branded services, across the mobile and fixed line markets. Alistair is leading the expansion of this strategy internationally, including the continued rollout of Tesco Mobile MVNO, following successes in the UK, Republic of Ireland and most recently Slovakia.

Alistair joined Tesco 5 years ago into its Corporate Business Development team, where he played a pivotal role in Tesco’s biggest acquisition to date (buying Tesco Bank from its joint venture partner, Royal Bank of Scotland) and also helped define its broader Services strategy. He was then selected by Andrew Higginson, the plc Board Director responsible for Retailing Services, to work directly for him in a newly created role as his Executive Assistant, leading and supporting a number of high profile projects across Tesco’s Retailing Services division.

Prior to joining Tesco, Alistair was a Strategy Consultant at Mercer Management Consulting (now Oliver Wyman). He has a degree in Mathematics from Cambridge University.


Paolo Sarcinelli Paolo Sarcinelli

Intesa Sanpaolo SpA, Head of Credit, International Subsidiary Banks Division, Italy
G-20Y Summit Important Financial Institutions (SIFIs) – Resolution Tools and Regimes Committee Chair

Head of Credit of Intesa SanPaolo SpA’s International Subsidiary Banks Division since February 2007. Member of the Board of Directors of Central-European International Bank (Budapest, Hungary), Banca C.R. Firenze Romania SA (Bucarest, Rumania), Intesa SanPaolo Bank Albania sh.a (Tirana, Albania), Sudameris SA (Paris, France), Atlantis SA (Buenos Aires, Argentina), Inversiones Mobiliarias SA (Lima, Peru), Gestiones y Recuperaciones de Activos SA (Lima, Peru).

After having worked for the Commissariat General for Expo'92 in Seville (Spain), in 1993 joined the London Branch of Banca Commerciale Italiana (later IntesaBCI), where he started as trainee to then reach the position of Head of Corporate Banking for Northern Europe, in charge of Benelux and Scandinavian corporate customers and of structured finance transactions' origination. As of 2002 he entered the International Subsidiary Banks Division in Milan, where he has been in charge of a number of divestment projects concerning Latin American subsidiaries and participations of the Group. He also served as Deputy Chairman of the Board of Directors of Banco Sudameris Colombia SA (Bogota DC, Colombia), as member of the Supervisory Board of VÚB a.s. (Bratislava, Slovak Republic) and as member of the Board of Directors of Sudameris Bank SAECA (Asunción, Paraguay), Lima Sudameris Holding SA (Lima, Peru), Scotiabank Perú (Lima, Peru), KMB Bank (Moscow, Russia), BC Intesa Sanpaolo Romania SA (Arad, Rumania).

Holds an honours degree in Economics from L.U.I.S.S. University (Rome).


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