Doug, you once pointed out that, in America, the poor could not contribute much to national savings. They only control about 3% of the economy, you said, so even if they saved 20% of their income, which would be impossible anyway, it would only amount to maybe .6% of the national income. I'm wondering if what holds true here is true for entire nations that are poor. Do poor nations like Mali and Bangladesh need outside investment simply because they don't have enough income to invest in themselves? Or could they come up with the money to do internal investment if only there was the internal political will?