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obligations, costs and benefits, themore his expectations will match theactual experience. For these reasons,financial education is very importantand something everyone shouldhelp to provide. This leads me to myfinal topic. What can each of us doto increase access to health?National governments have themost important role. We see manyexamples of national commitmentand leadership to expand nationalhealth systems, provide accessand build medical and nursingcapacity. I am thrilled that we havepolicymakers with us today to sharetheir experiences and priorities.Donors and other partners are alsokey. I am proud of the supportthat the Netherlands along withmany other countries has givenin the past years to global health.This has brought tangible benefitsand, importantly, fostered somany national initiatives. But tomake sure that all the efforts havepositive outcomes, it is all the moreurgent that we together share whatwe know about what works andwhat does not. What is certainlyimportant is to ensure that healthcare reaches the poorest and mostmarginalized families. Subsidiesof premiums and supplementalsupport conditional on regular visitsto health clinics are all provingeffective. It should go withoutsaying that providers have a leadrole in product design. Donors andacademics can also help, for examplewith research to understand clientneeds. There is so much more thatwe would like to understand. Whenit comes to sustainability, providersare also best placed. We have seenlots of good projects that have notsucceeded due to costs. This andreaching the poor are two areaswhere public-private partnershipsare essential to get the scale neededto be able to pool risks.I am so happy that this conference istaking place, with so many diversestakeholders coming together. Ithink the day will be successful ifas a result of the discussions wecontinue to address the followingfour issues:» Identify knowledge gaps. Whereis there consensus and enough said?What needs to be studied more?» Prioritize where we need morepilots and on what aspects.» Agree, more or less, on somesuccesses and also failures, so thatwe can communicate this clearly topolicy makers and practitioners» Call attention to the importanceof this subject. Of course, not onlytoday, but as you return home andin months to come.In closing, I would like to remindeveryone that investments inhealth pay very high dividends.If through insurance we can helppeople to become more healthyand productive and preventimpoverishment when they get sick,then we really need to focus onwhat is stopping us from doing so.