Thank you very much.
I want to thank all three presenters for coming here before us and putting forward your perspectives. I can see that all three of you have a passion for social finance. You're the best people to be here to educate us and give us more information.
My first question is going to be for Andy Broderick. Andy, I come from B.C., I'm living in the Lower Mainland and am familiar with the work being done by the Vancity Credit Union. Having once been the president of the B.C. Teachers Federation, I know that many of our members are your members. We do appreciate as a community all the community building that you do as well.
I was at a community event the other day where they were thinking about organizing something, and the first name that came up was Vancity. They'll be in touch with you shortly.
I could see your passion and everything. One of the projects you did was partnering with the Vancouver Foundation in 2012 to create the Resilient Capital investment program. In our briefing notes we read that the program aims to bridge the gap that social enterprises sometimes experience between government and other grants and access to conventional lending. Can you talk about this gap a little more? Why is there a gap? Isn't it more, or at least in part, a government choice whether such a gap exists at all, or are there other things we should be aware of?