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ICT and Horizon 2020, Iddo Bante 2013-08-22


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Introduction to the new Horizon 2020 programme of the EC, with a focus on the ICT research topics in Horizon 2020.

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ICT and Horizon 2020, Iddo Bante 2013-08-22

  1. 1. Work-in-Progress ICT in Horizon 2020 The European Framework Program for Research and Innovation (2014 - 2020) Iddo Bante 22-08-2013
  2. 2. For the EC, R&D&I is only a tool Investment in R&D is part of the solution to exit from the economic crises
  3. 3. • Originally: A Commission proposal of €80 billion for 2014-2020 bringing together 3 separate programs (RFP, CIP, EIT) Key challenge: stabilise the financial and economic system while taking measures to create economic opportunities • Now: A guarantee of a budget ≈ €70.2 billion Official publication first WPs: 11 December 2013 (not sure yet) • Core part of Europe 2020, Innovation Union & European Research Area to:  Tackle the economic crises investing in growth and future jobs;  Address people’s concerns about their standard of living, safety and environment;  Strengthen the Europe’s global position in research, innovation and technology. What is Horizon 2020?
  4. 4. A single program Bringing together 3 separate programs: • 7th Framework Program (FP7) • Competitiveness & Innovation Framework Program (CIP) • EU contribution to the EIT Coupling research to innovation • Much more emphasis on innovation  Horizon 2020 goes beyond research and facilitates the step from research to innovation;  Whole chain: from (fundamental) research to market;  All forms of innovation: new products & services, non-commercial social innovation (e.g. better public services or adressing societal needs), pilots, public procurement, standard setting) • More involvement of industry via industrial deployment of key enabling technologies (KETs) and through PPPs (institutional and contractual); What’s new?
  5. 5. Focus on societal challenges No prescription of the specific research topics to be addressed, but a description of societal challenges to be solved in areas such as health, food safety, energy, transport. Simplified access / No negotiation phase Less time for administrative procedures  effect on processes at UT Funding: Direct cost (100% or 70%) + 25% No full-cost! Open access to research data Data management plan: access to data (also others), data storage during and after project, … Proposal for reduction of EC costs in 2014  effect on Horizon 2020: 10.2 b€ in 2013 but only 8.8 b€ in 2014 (-13.6%) What’s new? (cont.)
  6. 6. Priorities Horizon 2020 Horizon 2020 €70.2 billion Excellent Science European Research Council (ERC) Future Emerging Technologies (FET) Marie Sklodowska Curie Actions (MSCA) European Research Infrastructures Industrial Leadership Enabling and Industrial Technologies Access to risk finance Innovation in SMEs Societal Challenges Health Food Energy Transport Climate and resources Inclusive societies Secure societies European Institute for Innovation and Technology (EIT) Non-nuclear direct actions of the Joint Research Centre (JRC) 22.3 b€ 15.5 b€ 27.0 b€ 2.5b€ 1.7b€ Widening … + Science with and for society 1.2b€
  7. 7. Three priorities • Excellent Science (22.3 b€ total; 4 b€ for ICT ?) • Industrial Leadership (15.5 b€ total; 8-9 b€ for ICT ?) • Societal Challenges (27 b€ total; 4-4.5 b€ for ICT?) - Bottum-up approach: top individuals (and top teams ?) - ERC (largest budget), Marie Curie, FET - Leadership in enabling and industrial technologies (largest budget) - Businesses set the agenda - ICT agenda, but ICT is not mentioned as KET - Link to Dutch Topsectors - Health & wellbeing, energy, smart transport, climate, secure society, … - Breakthrough solutions needed  multi-disciplinary collaborations. Promising solutions  testing, demonstration and scaling up. - New way of partnering needed: whole innovation chain + cross-cutting actions between these 3 main blocks
  8. 8. 1. Excellent Science
  9. 9. 1. Excellent Science EXCELLENT SCIENCE 22,274 m€ European Research Council Frontier research by the best individual teams  Personal grants, top-researchers, quality  Strongly supported by CTIT (contact Apers) 11,934 Future and Emerging Technologies Collaborative research to open new fields of innovation  Real opportunity  Experience available (e.g. Havinga) 2,457 Marie Sklodowska Curie Actions Opportunities for training and carreer development  Large degree of research freedom  Possible stepping-stone for FP research projects (Hermens)  Question: Will the financial rules be different from FP7?  Experience available (e.g. Hermens, Smit)  Action: evaluate possibilities for CTIT (Bante) 5,616 Research Infrastructures (including e-infrastructure) Ensuring access to world-class facilities  Added value for CTIT not clear (big data?) 2,256 ICT: 4 b€ ?
  10. 10. 1. Excellent Science ERC – European Research Council ERC starting grants - Top researchers with 2-7 years of experience after PhD - Up to 2 mln euro, up to 5 yr ERC advanced grants - Excellent established researchers with track-record identifying them as research leaders - Up to 3.5 mln euro, up to 5 yr ERC consolidator grants - Top researchers with 7-12 years of experience after their PhD - Up to 2.75 mln euro, up to 5 yr ERC synergy grants - Pilot scheme for small groups of excellent researchers ERC proof of concept - For ERC grant holders only - Bridging gap between research and market - Up to 150 keuro
  11. 11. 1. Excellent Science FET – Future and Emerging Technologies open, light, agile roadmap based research Three complementary schemes Cluster of projects (235 m€) Exploration and incubation FET Proactive Nurturing / developing of emerging themes/topics & communities Common research agendas Large-scale partnering initiatives FET Flagships Tackling grand interdisciplinary science and technology challenges Individual research projects Early ideas (40% of FET budget) FET Open Collaborative research for embryonic, high risk visionary science and technology Call 2014: 80 m€ Call 2015: 80 m€ Call 2014/15: 60-82 m€ Call 2015: 50-85 m€
  12. 12. FET Proactive topics: 1. Understanding time for new technologies: 20 m€ O.a. developing techniques for encoding different notions of time in computing, modelling & simulation languages. 2. Symbiosis between artificial and natural systems: 25 m€ O.a. unconventional computing. 3. Adaptive bottom-up construction: 35 m€ O.a. modular and self-reconfigurable artificial systems that can develop, adapt and learn from their environment. 4. New possibilities at the nano-bio-chem interface: 25 m€ O.a. new techniques for information sharing between devices operating on and within biological substrates; new forms of computation or information storage 5. Knowing, doing and being: cognition beyond problem solving: 35 m€ O.a. new foundations for future robotics and other artificial cognitive systems; deeper understanding of non- performative aspects of social robotics, development and interaction in mixed human/technological settings. 6. Ecological ubiquitous technology: 25 m€ O.a. new approaches to various ubiquitous technologies (e.g. ICT, nanotech, materials, energy technologies) and infrastructures. 7. Exploiting light-matter interaction/Nanoscale opto-mechanical devices: 20 m€ 8. Quantum simulation & networking: 30 m€ 9. Global Systems Science: 20 m€ 1. Excellent Science FET – Future and Emerging Technologies
  13. 13. FET Flagships: 1. Graphene: Call 2015 50-85 m€ (on average about 50 m€ per year) 2. Human Brain Project: Call 2015 50-85 m€ (on average about 50 m€ per year) 1. Excellent Science FET – Future and Emerging Technologies
  14. 14. Fostering new skills through excellent initial training of researchers Nurturing excellence through cross-border and cross-sector mobility Stimulating innovation through cross-fertilisation of knowledge Increasing structural impact by co-funding the activities Specific support and policy action Goal: To ensure optimum development and dynamic use of Europe’s intellectual capital in order to generate new skills and innovation 1. Excellent Science MSCA – Marie Sklodowska Curie Activities Training through Research Transferable skills training modules Exposure to both public and private sectors Addressing triple ‘i’ dimensions: international interdisciplinary intersectoral
  15. 15. ITN (including EID and IDP) Action 1 Early-stage researchers Doctoral and initial training of researchers proposed by international networks of organisations from public and private sectors IEF IOF IIF CIG Action 2 Experienced researchers Individual fellowships for most promising experienced researchers to develop their skills through international or inter-sector mobility IAPP IRSES Action 3 Exchange of staff International and inter-sector cooperation through the exchange of research and innovation staff COFUND Action 4 COFUND Co-funding of regional, national and international programmes covering actions 1, 2 and 3 Old instrument New instrument Activity description 1. Excellent Science MSCA – Marie Sklodowska Curie Activities
  16. 16. 1. Excellent Science RI - Research Infrastructures Research Infrastructures in Horizon 2020 1. Developing the European RIs for 2020 and beyond - Developing new world-class RIs - Integrating and opening national / regional RIs of pan-european interest - Development, deployment and operation of ICT-based e-Infrastructures 2. Fostering the innovation potential of RIs and their human resources 3. Reinforcing European RI policy and international cooperation Development, deployment and operation of e-Infrastructures … … to make every European researcher digital - e-Infrastucture for Open access - Big data - Global data e-infrastructures - Centers of excellence for computing applications - Virtual research environments - Provisioning of core e-services for research communities
  17. 17. 2. Industrial Leadership
  18. 18. INDUSTRIAL LEADERSHIP 15,507 m€ Leadership in enabling and industrial technologies (i) ICT, including KET micro- and nano-electronics and photonics (ii) Nanotechnologies (iii) Advanced materials (iv) Biotechnology (v) Advanced manufacturing and processing (vi) Space  Well-known playing field  Industry in the lead  ETPs, JTIs, EIT ICT Labs, EIT InnoEnergy. ETP Net!Works (Bante), ETP Transport (Zijm), Artemis (Haverkort), Future Internet (Pras), PPP Robotics (Stramigioli). 12,355 Access to risk finance Leveraging private finance and venture capital for R&I 2,590 Innovation in SMEs Fostering all forms of innovation in all types of SMEs 562 ICT: 8-9 b€ ?2. Industrial Leadership ≈ 30% to cross-cutting KETs
  19. 19. 2. Industrial Leadership ICT in Industrial Leadership 1. New Generation of Components and Systems - Smart cyber-physical systems: 2014/15 58 m€ call 1 - Smart system integration: 2014/15 55 m€ call 1 - Advanced thin, organic & large area electronics technology: 2014/15 40 m€ call 1 2. Advanced Computing - Customised and low power computing: 2014/15 62 m€ call 2 3. Future Internet - Smart networks and novel Internet architecture: 2014/15 24 m€ call 2 - Smart optical and wireless network technologies: 2014/15 33 m€ call 1 - Advanced cloud infrastructures and services: 2014/15 65 m€ call 1 - Boosting productivity & innovation via cloud computing: 2014/15 23 m€ call 2 - Tools & methods for software development: 2014/15 22 m€ call 1 - Collective awareness platforms for sustainable and social innovation: 2014/15 37 m€ call 2 - FIRE+ (Future Internet Research and Experimentation): 2014/15 51 m€ call 1/2 - Web entrepreneurship: 2014/15 10 m€ call 1 - 5G PPP: 2014/15 130 m€ call 2
  20. 20. 4. Content Technologies and Information Management - Big data research, innovation and take-up: 2014/15 50 m€ call 1 + 39 m€ call 2 - Cracking the language barrier: 2014/15 15 m€ call 1 - Technologies for creative industries, social media and convergence: 2014/15 15 m€ call 1 + 43 m€ call 2 - Adaptive and cognitive systems for human learning: 2014/15 10 m€ call 2 - Advanced digital gaming and gamification technologies: 2014/15 13 m€ call 1 - Multimodal and natural computer interaction: 2014/15 20 m€ call 1 5. Robotics - Roadmap-based R&D&I in Robotics: 2014 74 m€ call 1 + 2015 74 m€ call 2 6. KET: Micro- and Nano-Electronic Technologies, Photonics - Generic micro- & nano-electronic technologies: 2014/15 63 m€ call 2 - Photonics: 2014/15 50 m€ call 1 + 47 m€ call 2 - Cros-cutting ICT KETs: 2015 58 m€ call 2 2. Industrial Leadership ICT in Industrial Leadership (cont.)
  21. 21. 7. Manufacturing (Facturies of the Future PPP) - Proces optimisation of manufacturing assets: 2014 35 m€ call 1 - ICT-enabled modelling, simulation, analytics and forecasting technologies: 2015 33 m€ call 2 - Development of novel materials and systems for OLED lighting and displays: 2014/15 18m€ 8. ICT Cross-cutting and Horizontal Activities - Internet of things and platforms for connected smart objects: 2014/15 53 m€ call 2 - Human-centric digital age: 2014/15 8 m€ call 1 - Cybersecurity, trustworthy ICT: 2014/15 40 m€ call 1 2. Industrial Leadership ICT in Industrial Leadership (cont.)
  22. 22. 2. Industrial Leadership Enabling and Industrial Technologies Common approach to Enabling and Industrial Technologies: - ICT (incl. 2 KETs: micro- and nano-electronics, photonics) - Nanotechnologies, Advanced Materials, Advanced Manufacturing - Biotechnology - Space Innovation: Emphasis on technology development, industrial-scale pilots and demonstrators, prototyping and validation KETs: Specific support for ‘multi-KETs’ / ‘cross-KETs’ Public-Private-Partnerships: Important role of PPPs to implement KET-related activities - To solve problems together with industry - To strengthen European leadership - To facilitate prioritisation of R&I in line with Europe 2020 objectives and industry needs - To leverage research and innovation elements - To strongly commit industry to joint objectives
  23. 23. Note: EIPs (European Innovation Partnerships) are not funding instruments, but for coordination with broader policies and programs. 2. Industrial Leadership PPPs in Horizon 2020 proposal PPPs to implement R&I activities of stratregic importance: Continuation of existing JTIs/JUs 1. Embedded Computing Systems (ARTEMIS) 2. Nanoelectronics (ENIAC) 3. Innovative Medicines Initiative (IMI) 4. Fuel Cells and Hydrogen (FCH) 5. Single European SKY ATM Research (SESAR) 6. Clean Sky Continuation of existing ‘contractual’ PPPs: 1. Factories of the Future (FoF) 2. Energy-efficient Buildings (EeB) 3. Green Vehicles 4. Future Internet (FI-PPP) New initiatives to consider: 1. JTI Bio-based industry 2. PPP Robotics 3. PPP Sustainable process industry (SPIRE) 4. PPP Photonics Article 187 PPPs: Contractual PPPs: - Budget is fully earmarked - Earmarked budget is only indicative - Greater thematic visibility - Industry proposes strategy and advises on WPs - Higher ownership of industrial partners - Implementation via ‘normal’ program - Industry shares management costs - Comission manages the program - No commitology - Commitology as usual under Horizon 2020 - Rules for community bodies apply - Framework Program rules for participation - Derogations of FP rules are needed - Industry commitment via Partnership agreement
  24. 24. 2. Industrial Leadership Importance of KETs
  25. 25. 2. Industrial Leadership High Level group on KETs timescale
  26. 26. 3. Societal Challenges
  27. 27. 3. Societal Challenges SOCIETAL CHALLENGES (Linking role Behavioural Science researchers: Brey, Verwey, etc.) 27,048 m€ Health, demographic change and well-being EIP Active & Healthy Ageing: Hermens 6,809 Food security, sustainable agriculture, marine and maritime research & the bio-economy 3,510 Secure, clean and efficient Energy  Gerard Smit (via EIT ICT Labs)  EIT InnoEnergy: action needed  EIP Smart Cities: action needed 5,405 Smart, green and integrated Transport (at least 85% of budget for non-fossil fuel research)  Henk Zijm (o.a. via new ETP) 5,777 Climate action, resource efficiency & raw materials 2,808 Inclusive, Innovative Societies (IIS) 1,193 Secure societies  Pieter Hartel 1,544 ICT: 4-4.5 b€ ?
  28. 28. 3. Societal Challenges Health and ICT Advancing active and healthy ageing • Deployment of ICT solutions for older people with cognitive impairments: 2015 12 m€ (via EIP) • Service and social robotics in support of active and independent living: 2014 25 m€ • Early risk detection and intervention for an ageing population: 2015: 25 m€ • Active and Assisted living joint program: 2014 25 m€ + 2015 25 m€ Integrated, sustainable, citizen-centred care • Advanced ICT systems and services for integrated care: 2014 25 m€ • Deployement of ICT solutions for integrated care: 2015 11 m€ (via EIP) • Citizen engagement in health, wellbeing and prevention of diseases: 2014 25 m€ + 2015 20 m€ • mHealth for disease management: 2014 25 m€ • Patient empowerment: 2014 25 m€ • Public procurement of innovative eHealth services: 2015 10 m€ The Data challenge: improving health information, data exploitation and providing an evidence base for health policies and regulation • Digital representation of health data to improve diseases’ diagnosis and treatment: 2015 20 m€ • Predictive systems based on computer modelling / other technologies to be used by the patient himself: 2015 20 m€ • Towards the development and adoptation of a clinical and reference information model for eHealth: 2014 1 m€ • Semantic interoperability of electronic prescriptions in the cross-border setting: 2014 1 m€ • Business modelling of eHealth interoperability: 2014 1 m€
  29. 29. 3. Societal Challenges Energy and ICT Energy Efficiency • Advancing design and evaluation of energy efficient building via interoperability of ICT tools: 2014/15 22 m€ • Market-uptake of energy-efficiency products and services via ICT: 2014/15 15 m€ (pilot projects) • Networking public procurers for Green Data Centres: 2014/15 3 m€ Competitive Low-Carbon Energy • Smart Electricity Grids: 2014/15 30 m€ Smart cities and Communities • Replicable solutions for smart cities and communities at the intersection of energy, transport and ICT: 2014/15 50 m€
  30. 30. 3. Societal Challenges Transport and ICT Transport: Connectivity for Sustainable mobility ICT-enablers for connectivity for sustainable mobility: 2015 20 m€ • Optimizing human machine interaction and advice strategies to change driver’s behaviour • Social media and serious gaming to be integrated as new options for higher user acceptance • Pilots and large scale demonstrations for green driving delevering proof of concepts on the impact of green driving support on sustainability Transport: Smart Connected Automation in Road Transport ICT-enablers for automation: 2015 20 m€ • V2X communications to enable exchange of information between vehicles and vehicles and roadside infrastructure; mechanisms for interoperability and secure flow of information across the stakeholders • Set of ICT sensors (e.g. short range radars, cameras, laser scanners), sensor fusion algorithms, perception algorithms • Fault-tolerance vehicle actuation algorithms and mechanisms • Novel HMI taking into account the role of the driver in highly automated vehicles • Traffic management systems based on transport clouds that will be able to process in real time the vast amount of data and regulate traffic in local, regional, national and ultimately European level • EU-wide service platforms built on top of the notion of Future Internet, the Internet of things, facilitated by social media that will integrate automation into novel mobility concepts. Societal impacts of introducing automation in Road Transport: 2015 20 m€ • Fault-tolerant and resilient automated driving technologies and applications for connected, safer and sustainable road transportation • Cooperative automated driving in mixed fleets • Automated, seamless and safe fully automated intersections • Novel transport services and logistics concepts enabled by automated driving and ICT-based new and disruptive mobility concepts, such as automated-car-as-a-service. • Distributed traffic management systems and traffic management systems for mixed vehicle fleets.
  31. 31. Urban: Smart Connected Urban Mobility Services ICT-enablers for connected urban mobility services: 2014 30 m€ • Easy access to information through real-time management systems • Real-time traffic information and strategic routing • Pilots: Energy efficient intersection control systems and services Urban: Smart Cities and Communities Lighthouse projects that deploy technologies at the intersection of transport, energy and ICT: 2014 50 m€ Logistics: ICT for Smart Logistics ICT-enablers for mobility of good: 2014 10 m€ • Easy-to-access web-based open platform to enable information exchange across suppliers, manufacturers, logistics providers and retailers without building costly interfaces with (1) highly automated data capture, data exchange and local decision- making, with the support of connected intelligent cargo units and vehicles, and (2) technologies and services to collect and share environmental performance data for decisions-support and carbon-footprinting purposes, based on common apporoaches such as the CEN/TC 320/WG 10 standard. • Enabling seamless flow of information along supply chains synchronized with flows of goods, enabling to get real-time information on inventory levels and inventory location across multiple logistics actors. 3. Societal Challenges Transport and ICT (cont.)
  32. 32. ITS: Mobility Services for Intelligent Transport Systems ICT-enablers for smart connectivity: 2014 30 m€ • Convergence of ITS dedicated short range communication (ITS G5) and 4th generation mobile communication technology (LTE 4G) to provide seamless connectivity as needed for Intelligent Transport Systems including raming issues. • Next generation dynamic local maps for efficient transport systems, based on cloud computing technologies • Safe interface/communication with onboard and external (nomadic) devices and applications maximizing drivers’ attention and system acceptance. • Field operational tests and pilots to privide proof of concept of interoperability of cooperative systems and their potential to reduce energy use and vehicle emissions. Infrastructures: Digital infrastuctures for transport and mobility: 2014 10 m€ • Convergence of physical and digital infrastructures using dedicated short range communication (ITS G5) and 4th generation mobile communication technologies to provide seamless connectivity including roaming issues • Next generation secure and resilent hard- and software for information exchange • High speed broadband landline and mobile communication networks to cope with the big data volumes generated and processed. 3. Societal Challenges Transport and ICT (cont.)
  33. 33. 3. Societal Challenges Climate and ICT Water: Laying foundations for a Water Information System: call in 2014 - Topics: ontologies, semantic interoperability, GIS, business modelling, DSS, management tools Water: Advanced ICT solutions for water resources management: call in 2015 - Better assess water consumption profiles in real time for short term predictions - Interoperability across various systems and information models in the water sector and across the water and other sectors (e.g. energy) - Scalability of services - Security and intrusion detection across various systems - Increased awareness on the environmental footprint Waste: Roadmap for electronic waste: call 2014 Smart Cities: ICT-enabled citizen-empowerment and interoperability across different information systems at city level: call 2014 - ICT-based technology and systems with the aim to harness the data deluge and foster interoperability across different information systems linked to different economy sectors (e.g. transport, energy, water) and stakeholders at city level.
  34. 34. 3. Societal Challenges IIS and ICT Reflecive societies: cultural heritage: call 2, deadline end 2014 / early 2015, 45 m€ in 2015 - Accessing and understanding Europe’s cultural heritage. - Preservation of digital art. - Creating an innovation ecosystem of digital cultural assets Inclusive and sustainable Europe for the young generation: 60 m€ in 2014 - Stimulating the use of ICT tools and services for learning and teaching New forms of innovation: - Digital Social Platforms: 10 m€ in 2014 or 2015 (one of the two) - Innovation in the public sector by using emerging ICT technologies: 15 m€ in 2015 - Empowering citizens to manage and monitor their personal data: 10 m€ in 2015 - Automatic discovery and composition of public web-services: 15 m€ in 2014 - Open government – eParticipation and transparency: 14 m€ in 2015 - Personalized public services and M-government: 13 m€ in 2014 - Large-scale pilot on cross-border Online Dispute Resolution services: 10 m€ in 2014 - Business model innovation: 3 m€ in 2014 Digital empowerment of citizens - Stimulating the use of ICT to facilitate the social & economic integration of excluded citizens: 50 m€ in 2015 - More years, better lives – Demographic change: 2 m€ in 2014 - ICT for a more creative and innovative society: 20 m€ in 2014
  35. 35. 3. Societal Challenges Security and ICT Privacy: call in 2014 Access Control: call in 2014 Secure Information Sharing: call in 2015 Trust eServices: call in 2015 Risk Management and Assurance Models: call in 2015 The role of ICT in Critical Infrastructure Protection: call in 2014
  36. 36. 3. Societal Challenges KETs as the interface KETs providing the technology bricks that enable product solutions Market pull Societal challenges Technology push LEIT cross-cutting KETs Nano tech Biotech Mate- rials Manufac turingICT KETs KETs KETs KETs Solar panelsSmartgrid Electric carMedical device Secure, clean and efficient energy Health, demographic change and well-being Smart, green and integrated transport Food security, sustainable agriculture and the bio- economy Towards more inclusive and secure societies Resource efficiency and climate KETs Technology Bricks
  37. 37. Discussion • Agenda setting - Role in PPPs: EIT, ETPs, EIPs, FET Flagship programs; ICT Labs, Artemis, Enica, Robotics, Net!Work - ‘Rapporteurs’: Lambert van Nistelrooij and Judith Merkies; - Meetings in Brussels. • Positioning - Excellent Science (pillar 1): FET, ERC, Marie Curie - Industrial Leadership (pillar 2): ETP’s, EIT ICT Labs - Societal Challenges (pillar 3): EIP’s, EIT ICT Labs Other type of partnerships needed (working in innovation chains). - It’s is difficult for ICT players to integrate themselves into themes initiated by sector actors, as the sectors do not understand what the ICT players can bring to endeavours. Evaluators often do not recognize the contributions ICT players can make.  opportunity of ‘High-tech Human-touch’ approach of UT. • National - Europe - Linkage Topsectoren and Horizon 2020; - Smart regions: Horizon 2020 + Structural Funds.
  38. 38. Thank you for your attention! Find out more: and