Thank you, Mr. Chair. Thank you, Mr. Dunford.
I'm going to start off by following up on what my colleague, Ms. Brown, was just talking about, in terms of technology that makes payment mechanisms easier to do, especially in developing countries. We've heard a lot from other witnesses about cellphone payment mechanisms.
Could you comment on how that plays a role in microfinance, from your perspective?
Another question is on the role that diaspora groups can play. One of the great strengths of the Canadian economy, as in the United States and many other places, is that we have people here from around the world, from many of these developing countries that we're trying to assist, who have become successful here in Canada. We're interested in ways that we can motivate and assist diaspora groups with providing microfinance, helping them make remittances in a more cost-effective way to their friends and relatives in these countries so that those funds can be put to use in microfinance.
I wonder if you've had any experience in the United States working with diaspora groups from any of these countries. Could you comment on that?