Thank you, Chair.
Mr. Dunford, thanks for being with us here today. It was good to hear your insight.
I want to back up a little bit and get your thoughts on some questions. At the end of the day, what you and other groups involved with microcredit are really trying to do is develop markets in these countries—or rather, you're trying to use the power of the market, if you like, to help countries develop.
Would you agree with that assessment? Why do you do it this way as opposed to just giving money to education or some of the other building blocks of societies or countries?