Audrey Kitagawa: I think [next two words unclear] with respect to this question, we really have to see what is going on with respect to that particular country. I personally favor having the local economies prosper and supporting local economies so that you have communities that are self-sustain, that address the needs of the people, bring in the voice of the people, bring in the contributions of the people, and see how these local communities can be self-sustain. So to the extent that you have micro-finance projects that can assist the local people in that regard, I think that that is a very positive way to go. Understand, though, that micro-finance as well as macro-finance both have experienced problems. With respect to macro- finance, I think for the development of the country as a whole, we need to look at the institutions that actually do these financing projects because the financial institutions that have created this whole aspect of financing with huge debt loads that ultimately saddle the country in a way that does not allow the country to get out of debt and actually relegates the countries into positions where they're not able to get ahead needs to be examined very carefully and reformed as well.