We'll call our meeting to order.
I want to thank all our witnesses for being here today. We have the Canadian Bankers Association, Farm Credit Canada, and Credit Union Central Canada.
Just to let you know, there may be votes we have to slip away for. You may hear bells shortly after 12 o'clock. Unfortunately, we do have to break to go to that, but there should be enough time to get back here and finish. I apologize in advance for that. It may not happen, but in all likelihood it will.
With no further ado, we'll move to our presentations of 10 minutes or less per organization. The Canadian Bankers Association is first. Who would like to lead off?
Go ahead, Mr. Wrobel.