This is a question for Mr. Jawahar Kanjilal of Nokia. Thank you for participating in this forum. I am a student in international business and economic development at The Fletcher School, Tufts University. I am very curious about the Nokia Life Tools applications that you are piloting in India. I believe this is the first attempt by a hardware manufacturer to package applications targeted to low-income rural users and the potential is extremely exciting. I would love to hear more specifically about how the services are accessed (SIM toolkit, Java app requiring data connection?) and what the cost are to the end user besides the initial hardware purchase. Also, how do you see this service expanding? It seems like many exciting content partnerships could be integrated, both for market pricing and for education.

Hi, My name is Toru Mino. I am a student at The Fletcher School, a graduate school of International Affairs, studying international business and economic development. My interests are in how mobile technology, especially SMS services and mobile banking systems, can reduce transaction costs for rural producers and connect them to larger markets. I hope to work with Strathmore Business School in Nairobi to organize a conference in Kenya this spring focused on mobile innovation and economic development. My background is in product development and have worked in Medical devices in silicon valley and appropriate technology in Nepal.