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Hello Jean and Rob, thanks very much for the insightful comments and discussion. I featured the working paper by Jean and Darwin not to make a specific statement about micro-insurance but becuase the attempt to understand how potential program beneficiaries understand the mechansims and the meaning of the program is a very useful undertaking. An undertaking that economists often don't attempt and, as we see here, these features may be quite important for our understanding as program evaluators. Many thanks to you both!