<s>[INST] The next text is a question of a member of the European parliament:"In November 2007 the European Commission published a communication entitled ‘A European initiative for the development of microcredit in support of growth and employment’ (COM(2007)0708). Given the current financial and economic crisis and the Commission’s increasing role in coordinating a collective response by the Member States:      —  How does the Commission think that microcredit can be developed in these difficult economic times?      —  How does the Commission intend to advance its strategy in light of the fact that banks and other mainstream credit providers are experiencing severe solvency and liquidity problems?      —  To what extent does the Commission believe that the extension of microcredit to would-be entrepreneurs can play an important role in addressing the current economic malaise in Europe and in particular help to reduce Member States’ welfare obligations in the medium and long term?      —  What regulatory framework does the Commission suggest in order to ensure benefits for both providers and consumers of microcredit, considering in particular the problems of poor regulation that have contributed to the current crisis?"
Analyze carefully the text and assign it to the most relevant policy area among those listed below. Do not explain your answer and return only a number.
Policy area numbers: 1 = Macroeconomics
2 = Civil Rights, Minority Issues and Civil Liberties
3 = Health
4 = Agriculture and Fisheries
5 = Labour, employment and pensions
6 = Education
7 = Environment
8 = Energy
9 = Immigration
10 = Transportation
12 = Law and Crime
13 = Social welfare
14 = Regional and Urban issues and Planning
15 = Banking, finance and domestic commerce issues
16 = Defence
17 = Space, science, technology, and communications issues
18 = Foreign trade
19 = International affairs and foreign aid
20 = Governance and government
21 = Public Lands, Water Management and Territorial Issues
23 = Culture and media
[/INST]. Answer = [15]. </s>
In November 2007 the European Commission published a communication entitled ‘A European initiative for the development of microcredit in support of growth and employment’ (COM(2007)0708). Given the current financial and economic crisis and the Commission’s increasing role in coordinating a collective response by the Member States:      —  How does the Commission think that microcredit can be developed in these difficult economic times?      —  How does the Commission intend to advance its strategy in light of the fact that banks and other mainstream credit providers are experiencing severe solvency and liquidity problems?      —  To what extent does the Commission believe that the extension of microcredit to would-be entrepreneurs can play an important role in addressing the current economic malaise in Europe and in particular help to reduce Member States’ welfare obligations in the medium and long term?      —  What regulatory framework does the Commission suggest in order to ensure benefits for both providers and consumers of microcredit, considering in particular the problems of poor regulation that have contributed to the current crisis?