Thank you very much, Chair.
Thank you, all, for being here today. I know that what we're hearing today is going to make a big difference to this study.
I'm going to begin with our friend Deb Lowther with VETS Canada.
Thank you for all the work that you've done since 2010. I note that you began as a service for those who were homeless and since then have expanded, Deb, into helping those in financial need or mental health crisis, specifically in regard to women but also in general.
On those two areas of need, have you found that they play a role in homelessness? Is it the chicken before the egg or which...? What have you learned since taking on those areas as well?