2 words. That's all it takes to leave a club with 2.5 billion people. (I'm sure you can't guess.)

There are lots of types of inclusion. Here's one kind that's often overlooked.

Two words worth learning about: financial inclusion. What is it?

Well, let's talk about Constance.


Hi, Constance!

Lovely family you've got there.

For an animated character, Constance is really important. She represents the 2.5 billion people in the world who are not financially included. That means she doesn't have a bank account for her savings.

She doesn't have a payment service to transfer money.

Nor does have access to a secure loan.

For Constance — and those other 2.5 billion people — financial inclusion means having access to services that allow her to save money, make secure payments, and take out loans from a reliable, reputable source.

And one way that's now being achieved is through payment technologies: secure cards and mobile phones. Granted, these innovations are not going to solve everything, but they're empowering people like Constance to engage in society with more freedom and security.

But don't take my word for it. Here's Constance:

<span class="redactor-invisible-space"></span>
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MasterCard

The world officially loves Michelle Obama.

The former first lady has overtaken the number one spot in a poll of the world's most admired women. Conducted by online research firm YouGov, the study uses international polling tools to survey people in countries around the world about who they most admire.

In the men's category, Bill Gates took the top spot, followed by Barack Obama and Jackie Chan.

In the women's category, Michelle Obama came first, followed by Oprah Winfrey and Angelina Jolie. Obama pushed Jolie out of the number one spot she claimed last year.

Unsurprising, really, because what's not to love about Michelle Obama? She is smart, kind, funny, accomplished, a great dancer, a devoted wife and mother, and an all-around, genuinely good person.

She has remained dignified and strong in the face of rabid masses of so-called Americans who spent eight years and beyond insisting that she's a man disguised as a woman. She's endured non-stop racist memes and terrifying threats to her family. She has received far more than her fair share of cruelty, and always takes the high road. She's the one who coined, "When they go low, we go high," after all.

She came from humble beginnings and remains down to earth despite becoming a familiar face around the world. She's not much older than me, but I still want to be like Michelle Obama when I grow up.

Her memoir, Becoming, may end up being the best-selling memoir of all time, having already sold 10 million copies—a clear sign that people can't get enough Michelle, because there's no such thing as too much Michelle.

Don't like Michelle Obama? Don't care. Those of us who love her will fly our MO flags high and without apology, paying no mind to folks with cold, dead hearts who don't know a gem of a human being when they see one. There is nothing any hater can say or do to make us admire this undeniably admirable woman any less.

When it seems like the world has lost its mind—which is how it feels most days these days—I'm just going to keep coming back to this study as evidence that hope for humanity is not lost.

Here. Enjoy some real-life Michelle on Jimmy Kimmel. (GAH. WHY IS SHE SO CUTE AND AWESOME. I can't even handle it.)

Michelle & Barack Obama are Boring Now www.youtube.com

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