And so, if we had only used one or two of these three main ways of dispensing cash, there are some people who will be forced to retrain in the municipalities. But because these three already encompass all of the local governments, they are not going to be able to use the national system. So, because these three already encompass all of the options, really, for what people usually interact with the financial system. So, nobody needs to relearn anything. They just reuse whatever they have.

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