 The estimation of program impacts will use conventional multivariate regression techniques as appropriate to the statistical properties of the dependent variable continuous, dichotomous, or multinomial. For each outcome measure, the key parameter to be estimated is the coefficient on the randomly assigned treatment versus control status of the case. This coefficient indicates the regression-adjusted treatment-control difference in the measured outcome. All estimating equations will include covariates measured through the baseline questionnaire. The program effect estimated is the intent-to-treat ITT effect, comparing the outcomes between control group cases and all treatment group cases, regardless of whether the treatment case opens an IDA account. Stated otherwise, this procedure yields an estimate of the effect of the offer of IDA participation, as not all treatment group members will open IDAs. We will also estimate the treatment-on-the-treated TOT effect i.e., the impact of the program on those who complete it. 