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" ... “Right now, it's not a mature industry in the sense that a lot of the leading companies are all going to grow in parallel alongside each other withou a zero-sum kind of competition, because the overall market is growing,” Driver said. “But we do think that over time, more and more of the overall market will be in the hands of the largest companies. Access to lower cost of capital at scale and the ability to distribute products on a global basis, which requires significant investments in both technology as well as business capabilities, and the global scale, is going to be important.” ... "