<qa>  What is the financial design of the VSLA?Everyone in the sample N600 is in a VSLA with its financial design previously determined. Half of the sample will be treated as the control group and will not receive the treatment. Of this sample, in half of the VSLAs the investigators will ask the spouse to accompany the member to one payment meeting. A baseline survey will be conducted in January 2008 to gather basic demographic information as well as pre-treatment levels of variables of interest The trainingdiscussion groups will take place over several months are intended to promote joint decision-making. conduct a post-treatment survey to determine immediate gains from the treatment. After another 1-2 months, the investigators will conduct a final survey to determine the survival rate of any changes. Interviews will be recorded in written form to be input into computerized data management systems. 