Thank you very much, Mr. Chair.
First, I would like to thank all the witnesses who are here today. I am fortunate to have in my constituency a good number of the region's farmers and they have taught me a lot about agriculture.
Also, Mr. Poissant, who is my neighbour, has taught me that it's a very rewarding, but also challenging, life. I even found a point of reference. Since I was a former banker and I had a lot of experience working with entrepreneurs, succession problems are that reference point for me.
I'll continue in English, so I can ask my question of the gentleman from Farm Credit.
Mr. Hoffort, I'd like to ask you about how you came to observe financial management practices that were contributing to stress and to mental health issues. What is your definition of those practices? Was it because it's a sort of father-to-son intergenerational difference? I'd like you to just talk to me a little bit about that, and then I'd like to address the same question to Ms. Watson, who is doing the research project.