Thank you for being here today.
For Opportunity International Canada, I find it interesting that you first got involved with the microfinance sector in 1971, which seems to predate a lot of the excitement that we've seen over the last decade, including the Nobel Prize, I believe.
Can you talk a little bit about how it's changed? What's the environment like today? I want to ask you a little bit about your business model in a second, but I'm curious to get a sense of how it's changed over 40 years.