In our programs, we have micro-finance. I would even say that the whole concept of rural banks in Ghana started in the wake of the NGOs in the field, in terms of mobilizing farmers to make savings and credits at their own level and moving those through banks.
In our experience, the micro-financing we've done has been very successful, but it has also been successful in the areas where the farmers have access to a market for their produce at a fair and good price. Since I just have 30 seconds, I'll say that this has been successful, in my experience, and from the study that we did I think it came up as one of the prime movers for small-scale agriculture.
Thank you very much.