I want to thank you for that high-level discussion as an introduction. I think that was very worthwhile. I'd like to try to bring it down now to a more ground-level look at this so that people on the committee can wrap their heads around this and what we're going to be seeing when we talk to other proponents who come forward over the next few weeks.
Maybe you can start with social impact bonds. Let's say that we have a social problem, for example, childhood obesity or literacy on first nations reserves. These are issues that have been resistant to projects that have tried to solve these problems. How could an organization that has been successful on one of those pilot projects use social impact bonds and social financing to try to solve that social issue on a much broader scale? What would they actually do as an organization using this method?