Thank you, Mr. Chair.
I thank each of you for your appearance here today and for the good work that your organizations are doing to help people in need.
I want to start with Mr. Bernier and Desjardins. I understand that Desjardins has developed something called Desjardins fund for inclusive finance, which utilizes equity investments and strengthens micro-financed institutions in the delivery of certain financial products. I wonder if you could describe the fund and how it in your view improves the governance of micro-financed institutions in the countries it operates in. Can you also describe the international development projects that you undertake, and in which countries you operate?