Thank you, Chair.
Thank you all for appearing before us.
You're all NGOs, so you are not-for-profit organizations, correct? I'm curious and I commend you for the work you've done. You talked about some of the problems you had. I'm going to suggest something. I don't know if we can get into a discussion about this, but the problem I can see with an NGO, as opposed to the private sector, is that really you want to get this money out there; that's great, that's wonderful, but there's a real push to get people to take advantage of these services. Am I right in saying that? That's really your objective. Your objective is to get out there, and so on.
I'm looking for the balance. We have a little expression in the House. We'll say, “He's mowing your grass.” Are you sometimes mowing the grass of...? We had, for instance, the Bank of Nova Scotia here, Scotiabank. It has some microfinance services as well. Do you cross over into the private sector sometimes? Is there a little bit of maybe a conflict there at times? Do you find that?