Thank you, Mr. Chairman.
Thanks to the witnesses.
Thank you to all.
I'm going to continue in French. I often speak English, so let's go with French this morning.
I must admit that one thing fascinated me. The idea of working together emerges from all your presentations. You talked about working with the communities themselves, as Desjardins is doing, or about working with grandmothers in the context of a number of your projects. There was also what Mr. Horswill mentioned about mobilizing private sector money and then ensuring coordination. Various players are at the table, various points of view are being discussed to bring about a certain efficiency, as are the essential issues of follow-up, evaluation and so on. So it's really a kind of contribution to a broader, more comprehensive effort. That's one of the lessons I have drawn from your three presentations.
I have a brief question for you. In the case of Desjardins' microcredit programs, I was wondering whether, as is elsewhere the case, women were generally better payers than men, as we see in other microcredit programs. Is that the case?