Thank you, Chair.
Thank you to the witnesses for being here today, as well as being here virtually.
I find this area is really interesting, particularly because I see some innovation happening here. I think that's quite positive in terms of social finance. It seems we're bringing together a number of different sectors to, hopefully, create some better outcomes.
I wonder if both of you could comment on the flexibility of service providers, and on being able to tailor the program to specific individuals.
Mr. Butler, you go first.