Thanks, Chair, and thanks to Ms. Bergeron for being here. It's great to see you. I have always admired the work Vancity does as a credit union, but also as a community investment bank.
Obviously we know credit unions play a huge part and that their community lending model and the way they do things is quite different from how some of our large financial institutions do them. That has shone through in your remarks today. I want to acknowledge you for that.
I wanted to get back to a comment you made in your opening remarks about how we can't rely on the same modes of capital allocation. I know that Vancity, both in social impact investment but also in green or climate finance, has been doing remarkable work, and is innovating. I think you're trying to get to a “yes” on every deal that comes before you where you see a positive impact on society and the planet.
What are you doing to really innovate within your lending that is making a difference?