sherrone mcpherson is a former stockbroker. earned her jb at columbia university and is currently working with south africa and the rest of sub-saharan africa, helping small businesses and women in particular. thank you for being with us this morning. >> thanks. thank you, scott. thanks for having me. >> what is the biggest challenge? i touched on that, the credit rating of people you are trying to loan money to who have no paper trail whatsoever, right? >> absolutely. i mean, it's a huge challenge across the developing world. as you mentioned, i work primarily in sub-saharan africa, and i don't think it's just about sort of the credit rating, but certainly, getting your hands on information, data that will help you make an investment decision is a challenge in many markets where that information is disaggregated or it doesn't exist at all. >> the access to capital is there? i mean, is capital flowing into sub-saharan africa, it's a matter of it getting distributed? or is it that there's not enough capital? >> i think it's both