I pray that your recommendations are considered and implemented by policy makers in Pakistan. We need to keep building Islamic Banking as a real alternative to conventional banking; that includes educating ignorant consumers as to the inherent strength and stability of the Islamic financial system, which prohibits speculation, excessive risk-taking, most derivative transactions. It is crystal clear that Islamic Banking and its propagation is the prosperous way forward. We need to inculcate the Islamic philosophy in all facades of life and if we successfully implement Islamic Banking, I am a hundred per cent sure that our economy will prosper in the long run.