We'll start our meeting at this time. We have enough members here and our witnesses are in place. The clock suggests that we should have started a couple of minutes earlier, so let's get started.
I do not see Michael Bach. Perhaps we will start with the second witness, David Powell, president and CEO of the Canadian Finance and Leasing Association.
We thank you for coming and being here. I'll introduce the rest of the panel as I yield the floor to you.
We have a very tight timeline today. We have votes, so I just want to let the committee know that we will be interrupted. We're hoping to cut our panels a little tighter and to be completed by the time of the vote.
With that, we will yield the floor to you. Five minutes, please.