I will dwell upon the developments in the PSLC market a little later. Potential for job creation, self-employment and implications for priority sector 12. There are few emerging opportunities. One arises from the demographic changes which lead to entry of large number of job-seeking youth within the system.
  Some emerging markets have begun to implement more restrictive policy measures in response to overheating in their economies. The effectiveness of these policies will influence the path of commodity prices, which have increased significantly since October.