Perhaps I can pick up on a question that Mr. Dechert began with. He was absolutely correct on Haiti, that one of the challenges is that there is no viable land registry system. So if somebody is borrowing money and three people show up with what they pretend to be a deed to the same piece of property, it certainly is not reassuring for some banker.
But other than the obvious property rights or land registry systems or personal property security or some kind of enforceable collateral provision, what are the other challenges you're having in terms of legal structures, for example, judicial corruption? I was in a country some years ago where the judges hadn't been paid for two years. They were living off tips, like workers in the service and hospitality sector. So that is a problem, surely, if one is trying to set up any kind of financial system.
What other challenges have you had, other than property rights?