Zach, first apologies for tardiness in responding. We just had the Mongolia Economic Forum here in UB on Feb 8,9 where I was participating and reached UB on Sunday from a trip overseas. I too have visited several herding families and I share your assessment on why they chose to move to urban areas. I do appreciate your words of support. We all continue to learn from the lessons of our past so that we can be more effective in the future. The Bank is no exception. You might recall that there was an export ban on cashmere in place from 1991-1996 to protect local spinners. This ban was replaced in 1997 by a flat tax of 4,000 MNT per kg, that created extensive smuggling and corruption at the borders. My friends in the rural sector have suggested that actions like: (a) having herder cooperatives, (b) introducing scientific practices in animal husbandry, (c)privatization of land or zoning of pastures, (d) access to finance (so that the herdsmen does not see the only source of income being extra animals, can be helpful in providing incentives to focus on quality of herd size and better managing of pastures. Another promising pilot project that the government is testing is the weather based livestock insurance scheme. Such instruments have a dual advantage in that they protect the herder during a Dzud by supplanting the income that is needed if the animals die, and provide an incentive to focus on quality, and not worry too much about quantity.