I really enjoyed your concise discussion on the different perspectives on informal business owners. It is encouraging to see more research on the growing informal business sector in more depth. The microfinance industry can certainly benefit from increased scrutiny of underlying assumptions on informal businesses. My question is has their been any in depth research into the motivations informal business owners? Basically, how do you know that "wage workers" are actually seeking a wage job? Could their be a benefit for them to own their own informal business as opposed to working for a formal business?