Mr. Chair, I have the same feeling I have every day, which is that this committee has much more important work that it should be doing at this time. That's not to insult either of the witnesses, but we are doing eight sessions of discussion on what witness after witness tells us is a provisional area, something which isn't yet well developed. As we've said many times on this side, it's not that we're opposed to looking at social impact financing, it's just that there are many other things we could be looking at in this committee.
Mr. Broderick, I'm familiar with Vancity not just in Vancouver, but also in greater Victoria. It does lots of good community work. It functions as a real credit union and does not see itself as a bank, even though others tend to regard you that way sometimes.
In one of your opening comments you said that in the current climate, there was a concern that social finance was likely to displace government funding. Would you like to expand on that at all?