Thank you very much, Mr. Chair.
Thank you very much, gentlemen, for being here. In particular, Mr. Lahey, it's good to see you again. Alterna has a wonderful retail location right in the heart of the village of Streetsville, right across from my constituency office. I walk by it all the time, and I see that it's a busy hub. So congratulations on a very successful location there in my home riding.
Congratulations, by the way, on the 2012 MicroSkills Corporate Spirit Award you recently received. Obviously, you're clearly a leader in that. You've indicated that you're not doing it because it's a money-maker. It's not making everybody millionaires. You're doing it because of the cause, or the mandate, of the credit union. I think that's wonderful.
You gave one example, I know, in your opening remarks, of how the micro-skills program works. Did you want to maybe expand on that a little bit more and talk about how it's an important part of your mandate and generally about what it's designed to accomplish for the clients who are approved under that program?