If we take that away, I would say poverty reduction strategies and investments in programs or even corporate partnerships.
There's a great partnership, and I'm not sure the committee has heard about this, by the National Australia Bank with regard to payday loan operations, for example, which in my personal view are very exploitive of the poor. They charge interest rates that the middle class and rich would never consider paying. In Australia the anti-poverty groups and aboriginal communities went to the National Australia Bank in that country. The bank actually decided it would set up competition for these payday loan operations and provide microcredit to the poor.
That kind of operation has significantly enhanced people's lives and lifted them out of poverty, in some instances, because as you get into that payday loan operation, it can really create a circle of poverty.