Tatiana: How much money that we start with winds up in the hands of the recipient is such a hard question for the secta to answer. We all look essentially like we're being 99 % efficient, when in fact, all we're each doing is pocketing a dollar in the chain. And ha makes it very hard to trace beginning to end and give directly. In theory, giving cash should always be relatively efficient compared to more complex things. At least money into the people's hands. It may not be as effective.