I think our 35-year history has proven that access to capital is one of the levers to provide our participation in the economy, especially when we're talking about revenue sources to potentially run our own governments. Our reliance right now on own-source revenues to fill those gaps that exist within our programming without OSR is detrimental for us. There have been discussions in earlier talks about transfer of payments and money ties in those transfer payments, for example, like infrastructure financing. I think those are great ideas.
In terms of the larger access to capital needs of communities, there is a gap that still exists along the curb of access to capital leading to mainstream institutions and the private market. That gap still exists, and it is something that we continue to look to fill. It is not an easy thing to fill.
I have an example where we went to the mainstream financial institutions to get capital to address that gap with a 1:1 ratio cover from the philanthropic sector, and still the mainstream institutions did not support capitalizing an AFI because of a systemic barrier of discrimination, or whatever you want to call it. Those things exist, and as I think you know very well, an increase in economic development through increased participation with access to capital leads to improvements in health, education and social determinants.