The goals are ambitious, far in excess of any expectation we would normally make of a new branch. But the investment we are making in Lenbe is extraordinary, too. The final budget includes funding from four external sources and Fonkoze’s own money as well. It will cost more than three times what Fonkoze usually spends to open a branch, but it will all be worth it if the branch becomes an engine of change within Fonkoze. This doesn’t mean that it will develop lots of new products and services, though we wouldn’t mind if it did. It means, more importantly, that it should discover and test better ways of doing the things we already do and then help us spread that kind of innovation throughout Fonkoze. Fonkoze has 50,000 members and 120,000 savings clients, so even minor institutional improvements can affect very many lives.