On the first question, no, we don't monitor violence in communities. We have community mobilizers, and we're there, and we have a list of questions. That's one of the other programs we want to put in place on protection issues, on community violence, but these are early days for the turnover.
On the collateral, there is no real system in place for the people who earn less than $2 a day to use these shelters as collateral. I haven't seen it yet. They're not property owners, and I don't think the basis of the banking system is very well developed. There are a couple of caisses populaires being developed, but the basis of many businesses is clearing up on the land title and ownership. Until and unless that's done, it's going to be very difficult to use any of that for collateral.