First, The cycle of grassroots and SME expanded lending and debt forgiveness as discussed above is likely to create substantial contingent liability for the government eventually. This has not been factored into the official public debt figures. In addition, in developing various mass-transit projects, promises have been made to the public that fares will be very low; for example, only 15 bath ($US 0.40 ) per journey. It is most likely that if this were really the case, a substantial subsidy will be required to keep the system going once built. These subsidies again do not appear anywhere in the projected public debt.