Okay, we're starting our second hour. We will extend the time as need be.
We want to welcome to the table Bob Funk, vice-president of the Bank of Nova Scotia; Brian Little, head of agriculture for the RBC Financial Group; Ian McNeill, president of the Canadian Association of Agri-Retailers; and Dave MacKay, executive director of the CAAR.
I'll turn it over to Mr. McNeill for ten minutes, please.