Yes, definitely, but first I would like to correct one point. We don't really call it microcredit at Desjardins. We call it microfinance instead. A number of financial services may be small but accessible to everyone. That's part of the overall financial sector. It's regulated and supervised and so on, like any financial instrument in various countries.
However, historically, and even today, women are better at discharging their obligations than men in most of the countries where we work. Recovery rates for women are always higher: 98%, whereas it's quite different for men. However, women generally have smaller loans. So the amounts are smaller. The amounts are larger, riskier, for men. Other factors are in play.
However, in overall terms, the way women manage their financial affairs is distinctly superior to that of men in all developing countries. Whether it be Vietnam, Africa, Latin America or Mexico, the framework of reference is the same everywhere. Yes, there is more discipline in that regard.