 To dig into this a little bit, I wonder if you can speak specifically to the issue of debt in the Kenyan economy, not just for the government of Kenya, which obviously is laden with debt from Western lenders, but also it's my sense that individual Kenyans have been sort of taken advantage of through micro loan opportunities with very, very high interest rates that end up putting them in worse situations than they were in previously. Just can you speak generally to the matter of debt and its effect on the Kenyan economy?