I'll send some written comments, but there are several aspects that I would like to focus on. First, targets, transparency and accountability are absolutely fundamental. Look at the Investing in Women Code in the U.K.
Second, there are models of innovative practices. I am not sure if anyone from Coralus has testified, but $5 million created 250 jobs with interest-free loans and a 100% repayment rate. There are some really powerful examples that aren't on people's radar, and that's why I think the valuation piece is important.
The last point is that more than 50% of businesses start with less than $5,000. It is easier to get microfinancing grants and loans in Bangladesh currently than it is in Canada. Coming back to my starting point, which is that 90% of private sector employment is SMEs, I'd say we really have to invest.