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Tim: Thanks for your comment (and compliment). On climate change, the problem with the BRICS is not that they developed via consumption, but via carbon-intensive production (mainly coal and oil). Africa's problem is not just that they have urgent needs, but theat they contribute only 4 percent of global greenhouse gas emissions. Nevertheless, Africa has the potential to grow very differently because of its large hydropower resources (most of which are still untapped). At the same time, Africa will be the continent that is hardest hit by climate change, so they need to adapt and prepare for greater fluctuations in weather. The Bank is helping our countries with both. Shanta