I believe many of my readers are sophisticated investors. I have 2 questions and like your thoughts or links to any articles First, how is digitalisation of payments for hawkers, mum and pop shops going to help them? Yes, it will help banking, with more accounts, manufacturing with the production of hardware. How is it helping them in terms of new demand or lowering of costs (I see increase of costs) Yes, people can order online, but paynow should suffice? I am not against digitisation, I am just wondering if the papers are screaming "helping hawkers" hypocritally 2) is globalisation and effecient allocation of costs overrated? Will.redirecting of some supply chains locally for resilience and lesser profits and higher costs, necessarily be a high economic costs? ( Cost, yes, but really to the extend of job displacement, economic ruins, like some papers are suggesting ??) Appreciate your thoughts on the matter....