Civil Saving and credit co-operative hold themselves up as an example to those who view organisations like theirs with pessimism. At its annual general meeting on 10 January, they decided to launch Civil Homes Phase III at Lalitpur Sunathoki after the successful completion of Phase I in Sainbu Bhaisipati and Phase II at Tinthana. It is also planning to invest in transportation, medical facilities and other industries to meet the objectives of the organisation: ?To collect every small sum and invest in the development of the country.?