 The nature of our economy is one where we cannot afford what is traditionally called the trickle-down approach, which is where we're just working on industry and working on business and hoping that if we create enough industry and create enough business, people will be employed. That way, yes, people will be employed, but it will be too slow because we have a large, very large population of extremely poor people, very large. So we must address the questions of the bottom of the pyramid at the same time as we are addressing the questions of industry and all of that to create jobs. And so one of the critical things that we're doing is looking at how to resource the bottom of the pyramid, how to give credit to the bottom of the pyramid so that they can earn, so that those people at the bottom of the pyramid can do their business, which is all usually informal, informal trading, they can continue to do their business, they can do their work, and they can also make their own contributions. So what is called the trader money scheme or the market money, depending on which one it is, this is a credit scheme that has been given to almost 2 million traders, 30 traders. We believe that by giving them money directly, and these are people who are already in some trade or the other, they're able to improve their inventory, they're able to do more of their trade and get out of poverty because the very first thing is to get people out of the desperate situation of poverty. And so we have to almost invert the process such that the very poorest, the lowest also have resources which is usually open to the other.