That's a multi-dimensional question. I think I'll tackle that in a couple of ways, if I can.
One, on the culture shift question, the idea of social finance is trying to bring us back to a state where the full community is engaged in solving social problems. It's not just the responsibility of the government to directly finance certain interventions that will lead to the reduction of crime. I would say that over the last 200 to 250 years in western society, we have created this idea that there are certain things that are the purview of the government, certain things that are the purview of the private sector, and certain things that are only the purview of the social sector. That bifurcation, that categorization, has led to gaps being seen in the delivery of the social services and programming that improve our societies at large.
The idea of social finance is that it's bringing those groups back together, saying that there really wasn't a need for this separation of responsibilities, for one doing one thing and another group doing another. What we're able to do now is to have government be a true partner to a non-profit organization or a charity, in true partnership with a for-profit organization.
In the world of social finance, and this is something that I think is really key to note, the people who invest the capital, the supply side of capital in the impact investment space, have a genuine desire to engage in community development. It's not like it's a large corporation that's trying to place its capital.