22  As shown in figure 2, the 10-year Treasury yield in the simulation starts out at just over 4 percent, well below its level pre-crisis, suggesting that there may be less room to push down long-term interest rates in the future than in the past.
Financial literacy…knowledge of financial options, products and services, and consumer power in general, are often lacking. For microfinance clients, there are often information gaps, and inadequate re-dress mechanisms available to them. Against this background, international commitments have been made at various levels to raise and address financial consumer protection.