Thank you very much, Mr. Chair.
Thank you to the witnesses for being here today and giving us an interesting perspective.
Ms. Whiteduck, I'd first of all like to speak with you. Among the things you spoke of, you talked about financial literacy. Again, that is something that is so important. I'm a former math teacher, and one key thing that I always felt a student should know when they left school was how to manage their money and look after themselves and their families. It's extremely important. I wonder whether you'd comment a little on how that works, but I'd also like to go to a couple of other points.
You spoke about how NACCA in 2016 will be taking a look at equity and quasi-equity and third party lending opportunities, but of course you're saying that the increased cost of capital is a concern. Can you take a look at that?
You talked also about the role of aboriginal women and how they're taking up a large portion of the activity that is there. I wondering if you could deal with that.
You also spoke about commitment to a “federal-wide” model for debt equity, about taking a look at where it is right now and what you feel about it, based on the type of equity that you have in the communities and that maybe not everybody looks at.
Could you comment on those points?