Thank you very much. It's great to hear all the presentations and I wanted to thank all of you.
I think for those of you from Surrey and speaking from Vancouver, you'll be pleased to know that it's -27oC or something ridiculous like that here, so you're probably glad that after Barcelona, you're doing it from Vancouver rather than being here.
One of the questions I have is one I've asked before, but I'm going to ask it again. Often when we talk about social financing, we hear about the importance of target population being engaged in the creation, design, implementation, and evaluation of the projects. That seems to be a core part of social finance, social projects. Can you tell me, based on your own experience or international examples available to you, whether target populations are routinely involved in every aspect of the creation of social finance initiatives and whether they are involved all the way through to evaluation?
I'll ask each of you to make a brief comment on that, please.