A second instance that helps to illustrate the importance of enhanced communication was in the context of our fixed rate full allotment procedure. In May 2013 we announced that we would extend the minimum horizon for this procedure until July 2014; in November 2013, this was further extended for as long as necessary, and at least until July 2015.
Friends, let us give a big hand to Citi Philippines and Citi Foundation under Mr. Sanjiv Vohra, the Microfinance Council under Mr. Rollie Victoria and Mr. Ed Garcia, as well as the members of the National Selection Committee.