This link was sent to me by our Romanian software developer & risk manager. Just the fact that my business works with a risk manager in Romania is proof the world is flat and multicultural changes are imminent. Best to be on the right side of change and profit from this change and growth. To your success.
http://www.nielsen.com/us/en/insights/news/2015/uncommon-sense-the-multicultural-real-estate-opportunity.html