Yes, precisely — the target is financial institutions. Individual investors do hand much of their savings to professional investors via life insurances, pension funds, and social security. I think there are some solutions out there for responsibly managing your savings as an individual, although that's not what Wangari targets.

That's an interesting point about the Excel add-on. Our assumption was that adoption would be biggest if everything was as easy as possible to use. On the other hand, institutions employ plenty of smart people who would love to dig into the raw data. We'll probably build both and let the market decide!