You put a lot of emphasis on coaching, education and the need to avoid going too far into debt, which is a major issue. We know what happened in India. Unfortunately, there were negative consequences. Microcredit got off to a great start, but in the end, people found themselves back in debt again. Unfortunately, there were suicides, and so on. That's why that aspect is equally important.
I would like to ask Mr. Counts a question. You mentioned transparency and responsibility tools and the importance of having those tools. Can you tell us exactly what those tools are and how you use them?