Partly, I believe they have not made up for the gaps because the bureaucrats who created the programs were themselves not entrepreneurs. You need to involve entrepreneurs in the development and shaping of the programs themselves, not just in the input into the programs. That's partly what happened: The shaping of the programs themselves has not been led by entrepreneurs, and the actual implementation has created barriers to participation.
Why has it not been successful? It's difficult to navigate; it's difficult to understand, and it has too many rules and regulations around access—what applies and what doesn't apply, how you apply, when you apply and where you apply.
There's that, and also, it doesn't acknowledge exactly what you've heard from all of us today, which is that women have a different reality. The reason they don't stay in businesses longer is that it is very difficult to manage all of the things that fall on a woman's shoulders. We saw this through COVID, when women were taking on the responsibilities of child care, child education, home and parent care and dealing with the home itself. They gave up their careers and businesses in exchange for helping deal with the family, the home and everything going on in the home while their husbands were still working.
There is a trade-off that happens in many relationships where women are the ones who pay the price, and they give up their abilities and their opportunities in exchange for what is expected of them. There are some women who are making these choices because that's what they believe, but if you had asked me about the women's strategy, it does not acknowledge that there is another aspect to our lives that we have to deal with. Women are burdened; they're overworked; they have a lot of pressure on them and a lot of other challenges they're dealing with, and that's not reflected in the strategy.
The strategy was not written by an entrepreneur, and it's not necessarily written for a woman entrepreneur.