Thank you, Chair.
Some of us were part of the Commonwealth Parliamentary Association that went to Bangladesh and India. What was very striking when we were there was, in one sense, the depth of poverty in different places, and then in the other, the optimism because of things like microcredit and what that meant with small amounts of money that would somehow elevate people out of their very sad circumstances.
Do you have any comments about the role—perhaps this is actually directed to our banker friend here—that microcredit has to play in all of this? I'd love to hear any thoughts or comments from any of the witnesses.