Definitely, to go forward on social finance, and even to deal with these complex issues, you need to do it in collaboration. You need to have multiple stakeholders at the table. The target population, for sure, has to be involved. You need to build the grassroots and put the right resources around it. The ones that are really successful have true collaboration. People know what they're bringing to the table, where the value add is, and the measurement is designed before so everyone knows what they're measured on, but also, can they gather that data? So it has to be built from the beginning with the design of the projects.
Building on what Mr. Chiu said, that's where we need to find proven projects and then make them investment ready. There are great projects across this country that are dealing with a variety of issues and dealing with the root cause. We need to flush those out and make sure they're ready for investment and ready to make a bigger impact, but you're right, they're built off the collaboration that goes from the person receiving the service all the way through, and it has to be built that way.