Thank you, Chair.
I want to commend and thank all of you for all of the great work you do in this field.
I just want to pick up on something that Mr. Van Pelt said about it tending to be the same people giving over and over again. We see that in our work too. How do we create a culture of giving in this country? Is it through increased incentives or is it through education? Could you just talk a bit about how we create that culture, in your estimation?