you look at david reutimann, conclusion after ten years of research was the overall impact has been zero. some people win, some people lose. but overall there's been no credible impact on poverty reduction. >> there's a famous report funded by the uk government. it was led by an economist, and she and her team analyzed 2,840 academic papers spanning 35 years of research in microfinance and concluded the impact had not only been zero but had been a terrible situationed opportunity that we could have used the money more useful and instead put into it microfinance. so these are rigorous independent academics looking at the evidence and saying, you know, i'm sorry, you can show me a few isolate cases on the web site of the woman with the goat who did well but you know, it doesn't stack up. there's 200 million people who have currently receiving microfinance loans. the microfinances sector very openly boasts it's aiming for the billion mark. we have to give credit cards to 8 billion people. and on the first 200 million there hasn't been such expectations by a wide margin. >> is the money goin