I think that the first question is based on the last two. The first thing that contributed to my career path I would say that I was a swimmer. I was an athlete all my life. I was top paid in the United States and I was recruited to several universities, including the University of Utah and I started there and then I moved after I finished my bachelor's degree. I moved to Goldman Sachs in New York. I worked there. I also got my masters in the University of Utah and master's in finance and later on, I have transitioned to be in Wells Fargo where I am right now.

In general, my responsibility is really to organize some of the changes that are happening in the Wells Fargo Securities. That's a wholesale banking and capital markets. That's for much wholesale investment banking as well as trading initiatives and then goes across for both the business initiatives as well as their regulatory initiatives. I try to combine several things. Technology, IT, their different front office, back office, middle office functions to make sure that we move forward as an organization, both in terms of, how effective we are, how compliant we are with the regulatory requirements and other things that our senior management sees the most valuable at this moment of time. The majority of the time, I do spend in the office. I don't have a very rigid schedule, but I'm usually in the office. I come in at 8 to 8:30. I leave usually between five and seven. But at the same time, there are obviously different needs. We work across the globe, so there's obviously some meetings that can be either really early morning or later in the day. But in general, it's not that crazy. Then in terms of traveling, I do travel. But again, it's kind of sporadically really depends on the number of projects I have and the number of people I need to meet, and it's mainly focusing on the need base. I really think that unless you need to travel to organize, I try not to overdo it, just because it's disrupting your workweek, you need to plan for the travel time and then obviously we know when the weather is good or when I do not feel that well, I do work from home. There are no limitations. I have a good office. I have a good study, so I feel that I'm as effective working from home as I would be working from the office.

In general, currently, my most used tool is probably outlook, right? I just send a bunch of emails. But much of meetings trying to organize, obviously Excel as in the world of finance, it is definitely very much used. But then, in terms of more, let's say complicated, more sophisticated. I do use a lot of Python for reporting. I do use Java to work on some models. In terms of the models, we use a lot of stochastic models. We're using a lot of different pricing algorithms. We're using a lot of basic analysis, statistical analysis. So everything that kind of goes again and to be more effective, providing more insights into what our business is, how it's actually structured, what it does and things like that. In terms of certain tools, I really like Python amongst all the languages and all the visualization tools and all of the instruments that I can use in my work just because it allows me the greatest flexibility there. Obviously tools like Tableau and ClickView that can help you visualize the data but then in terms of, doing some data massaging, processing the data, I think Python is the most suitable language, and I do use it a lot to both reporting and trying to validate some of the work that my colleagues do.