I think the biggest challenge or the biggest concern is the one that Sarah addressed, which is that there needs to be a recognition that this has to be incremental. This is not to take away from the organizations that still, and will continue to, need grants. Government has a role to play around social activities. That's the biggest barrier, that a government or someone else says, “Great, we're going to move this stuff into social finance, and we're going to eliminate any of our underlying social supports”.
That ties in to the last couple of questions. What we're talking about here, in many ways, is freeing up new capital. If you take a foundation, like some of the ones Ian's members would have, and if they have $100 million a year—