My last question is for you, Mr. Weaver. It's about MicroEnsure. There's a statement here that in India, in China, 3% of the people in poverty are using microinsurance, and in Africa it's only 0.3%. It says here that in 23 of the poorest 100 countries in the world, there's no identified microinsurance activity, representing over 370 million people.
It seems that MicroEnsure is a key to part of the basket here. How can we get those numbers to change, so that they come into play more? Would the bank have not only money and insurance? Is there a combination we should be doing here?