which is a very nice, handy, sose yo lodgele argument. the more i delved into it the more i understand that these groups, these are savings and loan and credit associations that vary, as i studied them over a pord of 25, 30 years, vary in amounts between, like in this one, say, 1,000 pesos over 10 persons, to $25,000. let's say at the -- at one extreme, you have one that's basically made up of 10 people, each one putting in $25,000 every three months. so every three months, the other persons who participate in this, say there's 10 of them, they'll be collecting $250,000. less $25,000. actually, $225,000. they'll keep putting less back in. over a period of 30 months. they'll use that money for investment, or use that money, for example, take care of whatever expenses you have in a particular business. a lot of mexican restaurants, for example, participate in these kinds of things. so that's one extreme. at the other extreme it could be somebody, for example, who uses, say in mexico city, uses the 100 pesos, 900 pesos, buys a big box of kle