 I think we have time for maybe one or two more questions pretty quickly before we open it up to the audience. We've been talking a lot about defense, a lot about diplomacy. We've talked a little bit about development. I want to spend a little bit more time on that. You have been advocating for microfinance as a development strategy for more than a quarter of a century, and quite effectively. Could you say what it is about that strategy you find appealing, how you've been working on it, what its achievements and limitations might be? Well, thanks, Mike. And the title of this talk is about foreign policy and defense, diplomacy, and development, because that's what I emphasize when I was Secretary of State, all three of the Ds, not one more than the other, but trying to maintain a commitment to each. And microfinance is a concept that was really pioneered in Bangladesh and India. In Bangladesh, there was an economist by the name of Mohammed Yunus, who actually won the Nobel Prize. And he had this really radical idea that if people were given a little bit of money, not as a gift, but as a loan, that they would have to pay back, that they could invest in furthering their income or their children's education, it would help lift development. And so he started something called the Grameen Bank. And that's what he began to do. And what he found was women were the best people to lend to because women would invest in their families. So these small loans, they would help to pay the rent on a market stall. They would help to buy material for seamstress or an embroiderer. They would help to put the girls in school, just like the sons. And that concept has been really proven in Bangladesh. And then in India, a woman featured in our book, Al-Abad, started something called the Self-Employed Women's Association to do exactly the same in India, where women would get these small loans. And what was so remarkable is that they would be put into lending groups. And in the lending groups, they would have to look at the four or five other people, the women who were in that group. And they would be told, if you don't pay back your loan, then the woman next to you can't get her loan. So it was both a financial scheme and a community development opportunity. And now there's like a million members of Sehwan, India. So this is a program that we did bring to the United States. Mike was a part of that when he worked at the Treasury Department, where we tried to replicate it for Americans. So it couldn't be the same exact approach that was done in Bangladesh or India. And what we found was that we needed to create development banks. And so I helped to start something called the Southern Development Bank in Arkansas, which was focused on not running up huge profits, but plowing money back into the bank so that they could loan to small businesses. Because so many small businesses can't qualify for a $10,000 or $20,000 loan to buy new equipment, to make investments, hire another employee. So this is a concept that was really pushed by the Clinton administration. And it has survived. Don't tell anybody about it. It has survived up until now. And literally millions of people have benefited from these kinds of micro development bank approaches.