Globally, banks are making much fuller disclosures to the market than used to be the case, and that trend will be reinforced by new international disclosure requirements being introduced as part of the new Basel 2 capital requirements, on which I will say a little more in a moment. Third, we have some regulatory and supervisory requirements.
Synergies developed between and among partner institutions should result in a further broadening and deepening of the microfinance sector. The case of Citi awardees are a case in point. I understand our 11 awardees have attended financial education lectures to boost their ability to sustain profitable operations.