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Thanks Julian, and I totally agree on being clear who the treatment effects apply to. In the paper we write: "It is important to note that these treatment effects are for the set of clients who will take up the interventions when invited. We have seen there is positive selection into participation, so that individuals who have the worst initial financial behavior in terms of late payments, not paying more than the minimum required, etc., are less likely to participate. The treatment effect may be larger for these individuals if they could be induced to participate, since they have more room for improvement, or potentially smaller if such individuals are less likely to implement the changes suggested in the workshops. "