 I think we need to develop capital markets for the larger businesses, get it done, because if I travel in frontier Africa, as opposed to the more developed parts of Africa, it's easy to find the billionaires, it's not that easy to find the millionaires. We want lots of millionaires, lots of successful businesses, which have probably been spun out of people who've learnt their trade in larger transnational companies that operate on the continent. Made some money by their equity options and then started business of funding their cousins, funding other people. You'll never get a structured financial system doing that. I think the best way you find SMEs is actually through private wealth that goes into a system where it works on trust.