First, we provided awareness to our staff by sending them to international conferences and also to visit countries with successful microfinance schemes. I also personally benefited through such awareness trips to some Asian countries and saw firsthand the role the governments, private sector and NGOs played in the promotion and development of microfinance.
It is a complex picture here, with the market simultaneously adjusting to: a recession; lower population growth; record low interest rates; substantial government incentives to support residential construction; and changes to the way that people work, shop and live. So there are a lot of moving pieces at present and the effects are very uneven across different types of property and across the country.