The problem with emerging market city-level geos, is exactly the fact they are emerging market .. and because of that there are very few domains taken and relatively little online saturation. Because of that there is little speculation .. add all that together and the problem you're facing is simply too many potential alternatives at handreg. So while selling a domain for $75 might not seem like a lot .. in fact it is a lot to many businessmen .. and more importantly it becomes an unjustified expense when there are plenty of handreg alternative. Also .. the moment you get away from English domains the market saturation drops significantly less to the point where mark-up is really almost impossible. Now I'm really confused .. all these people are being hired specifically to proactively go out to effectively "recruit" people into this micro-finance program? I really don't want to knock this .. but wouldn't it be wiser to wait until your "education/training" program is developed and ready? Seems like you've got the cart way ahead of the horse here. I really still am very concerned about the success rate of this program the way it is described. Rob .. have you maybe thought of a vastly simpler and more realistic and proven option with vastly higher potential success ratios? Why not just HIRE locals in some of these places you'd like to target. Give people basic training to go out and find CLIENTS for Epik. Basically have them sell packages that include a domain (with branding advice), hosting, email, web design, app development, etc. Obviously sales is not always an easy thing and not for everyone .. but compared to trying to get not-yet-domainers to become successful domainers with absolutely absurd math stacked against them, succeeding at selling Epik "packages" would be a piece of cake. At some point down the road then it would make a lot more sense to offer "domainer" loans to those sales people who want to try the next step .. but in the meantime at least they have a significantly more attainable and tangible option available to them to help them reach a better standard of living. Added bonus in that actually having local salepeople will in fact directly grow those digital markets .. where the end users targeted in a micro-finance program would almost need to be first world markets if the math were to have any hope of working. Not only that, but the markup on hosting/email is pretty significant if you already have the infrastructure as Epik does already. You could effectively offer a 100% commission on a client's first year of revenue knowing that the businesses that do stay beyond a year will more than make up for first year expenses of all new clients. Or better yet .. offer a lower up front commission to your sales force, but have a lifetime (trailing) commission. I won't get too finicky with the numbers as those are details you could better figure out looking at your actual profit margins. (plus I see a few people here getting all exited with minute details, when it's really at the macro level where unfortunately I see a very little potential rate of success the way this all appears to me now). Beyond that .. I think if it were to help ACTUAL REAL-PERSON and PHYSICALLY VERIFIED locals in developing nations, then I'm pretty sure many of us here would gladly help out every now and then if one of the salespeople needed advice or suggestions on what domain would be good for a local business in a developing nation. Because at this point while I'm sure the first few cherry-picked obvious candidates already on NamePros would be legit candidates .. there's just too much opportunity for fraud unless there is some physical verification (and even then there's no guarantee). It's a completely different set of math when you have a client who wants digital services, to find them a domain .. as opposed to having (a likely crappy) domain and then trying to find a business to pay for it at a huge enough premium to pay the expenses of all the domains you didn't sell.