 The after-credit scheme is a scheme we have devised to motivate women in low-income settings to come for anti-natal care clinics to give birth in hospitals and come back for post-natal checks. We are planning to implement this scheme in Kenya, in Siaya County, which is a setting with high maternal and child mortality rates. The project is funded by the Bill and the Menendangins Foundation. In developing countries like Kenya, where we will be working, there are many women who die as a result of pregnancy and childbirth, and most of the causes of this deaths can be prevented if they want to maintain good contact with the health professionals and health facilities. We plan to recruit 200 pregnant women at any stage of pregnancy. So when they come to the health clinics for their first visit, we give them a card worth 1,000 shillings, so that's about $10. So they don't get the cash at that point in time, they get the cash when they come for the second visit because we want to motivate continuous link with the health system. All the visits are necessary, it's recommended that women should have at least four anti-natal clinic visits by the WHO. There are many disease conditions that can be prevented, for instance transmission of mother to child HIV, there's also early detection of complications in pregnancy. There are many reasons why these women don't come for the clinics. Some of them we don't know yet. So you find other programs giving transport vouchers or food vouchers, but what if there are other reasons preventing these women from coming, which cash could help to live yet. But this came actually motivates women to come for the health visits, and with that then the long-term hope is that this type of scheme would have significant health impact for the women and children in this setting. But at the same time if this scheme is proved to work then it could be applied to other hard-to-change behaviors, some of which we've been working with such as difficulty of adoption of clean foodstuffs or sanitation projects.