Thank you very much.
I want to thank all three of you for coming and making a presentation to us.
This is an area that, when I was on a different committee, we looked at as well: social financing in the context of international development and projects. I have a great deal of interest in engagement of the target population and the creation, design, implementation, and evaluation of the projects because everything I've read says that, unless you have that kind of an engagement, your project has many barriers to overcome.
My first question is for Mr. Dewar.
Based on your own experience or international examples available to us, are target populations routinely involved in every aspect of the creation of social finance initiatives?