Thank you for your questions.
First to the mobile phone question. Today, the service doesn't exist where you can remit funds from Canada to the phone in Haiti; it's an internal Haiti service right now between Digicel and ourselves. But the next evolution of the mobile wallet, while it certainly would be cross-border...we're just over a year old in the wallet itself in Haiti, and we need to continue to build the functionality for intra-Haiti transfers, first of all. They're so vital.
You asked about cost. Before the cellphone, the only way for a family member in one community to transfer funds to a family member in another community a hundred miles away was to physically take that cash and find what they hoped was a trusted taxi driver or bus driver or somebody who would get the funds there. Sometimes they wouldn't get there. When they did get there, it was often at quite a cost: 20%, 30%, 40%. Now it's pennies, literally, to make that transfer by phone. The family member in the next community receives a text message and the money is on their phone.
To the microfinance, we do not have a microfinance business in Haiti right now; we are interested in establishing one. We just set one up in Jamaica this year. We'd like to do a feasibility study on the market, as we would in any market: what is the size of the market? We expect that it's sustainable.
Your point is very valid on property rights on land and on titles and so on. If we need to register collateral, we need to be able to rely on that collateral. That doesn't exist in Haiti today.