I'd like to call this meeting back to order.
For the second panel this evening, we have with us, from the Canadian Bankers Association, Angelina Mason, general counsel and vice-president. From the Canadian Credit Union Association, we have Mr. Michael Hatch, vice-president of government relations.
Witnesses should be aware that interpretation is available through the globe icon at the bottom of their screen.
I'd like to welcome both of you. You'll have five minutes for your interventions.
I always like to give our guests a disclaimer—a caveat. Once we get into our rounds of questioning, you may, from time to time, have a member of the committee intervene and interrupt you to take back their time and move on to the next question. Please don't consider that to be personal or rude in any way. They have very limited time to ask their questions in order to get their answers. Please respect the fact that, when they call back their time, it's not a personal thing.
I will begin with Ms. Angelina Mason.
You have five minutes. The floor is yours.