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This is a fascinating area because, following the growth of the micro-loan industry particularly in Bangladesh, where it started-it has spread all around the world-the lessons on helping people to learn how to budget are very much along the lines of giving someone a loan which they pay back before they get the next loan. There is therefore a real learning process. In our approach, we are picking up this global phenomenon, whereby we will provide credit-in practice, free credit behind which there is a discipline-which has to be repaid before the next loan is available. It is very much the same thinking as that which we see globally.