Thanks for your question. Definitely women do face some challenges in starting and growing a business when compared with their male counterparts. In particular, they have the challenge of having less management experience and skills training for running a business than men do when they start a business. That's an area we work on quite closely in our training and our mentoring. There are also fewer role models.
There's that expression in English, “If you can't see it, you can't be it”, so we try to make sure there are more successful female entrepreneurs as role models for them, who are balancing the various life challenges that women have.
Access to financing is a barrier that I mentioned to you earlier. There are specific aspects of that compared with men. I did mention some of them already in terms of the lower-perceived need for financing and smaller amounts borrowed, but there's also different approval rates for short-term credit and other barriers to accessing financing that women face. They get asked for a co-signer more often than men do, even today, and even though their business can support the debt they're asking for. They also have some issues with credit history and so on.