Thanks for joining us for the last two days for the Financial Review Business Summit, presented by BHP Billiton.

There's a lot of posts on this blog (in case you were wondering it's been the top read story two days in a row), and I don't expect you to read them all, so here's a short wrap of the big news from today's sessions.

* BCA president Catherine Livingstone and Wesfarmers chief executive Richard Goyder are disappointed in the government's decision to implement an effects test.

* Big business has become more risk adverse, according to Coca-Cola Amatil's Alison Watkins

* Fintech start-ups don't want to jump into partnerships with the big banks... at least not unless you want Tyro's Jost Stollman having words with you.

* Millennials don't have it as easy as people make it out. Etsy's Helen Souness reminded the audience they can't ride the coat tails of a booming property market like the former generations.

* NAB believes it can innovate quickly enough to keep up with the disruption in the sector caused by the incoming fintech start-ups.

* Blockchain is going to change the way many industries operate, not just banking and financial services.

*When responding to a disaster (such as the Samarco tragedy in Brazil), take a values-driven approach.

* Unions are an occupational hazard - at least they are for Mike Kane from Boral.

* BHP Billiton would like a debate on tax reform... particularly if it results in a cut to the company tax rate.