Thank you, Mr. Chair.
I'll start with Professor Dietsch.
First of all, thanks so much to all the witnesses.
If I understand your argument correctly, the green transition is unlikely to succeed in the way that we're currently approaching it. Really, fossil fuel investment has continued and will continue to remain strong. We've heard from previous witnesses during this study that one in five bank directors have an explicit connection to a fossil fuel company. We know there's a lot of overlap between the interests of the big banks and the interests of the large oil and gas companies in Canada.
Can you talk a little about how your suggestion—this credit policy—might impact that?