Thanks, Mr. Chair.
I'll be sharing some of my time with Madame Chatel, who has transferred into our committee recently from the finance committee. We're both concerned over getting as much as we can on the table around OSFI.
Before I get to OSFI, I also have to thank Mr. DeMarco for his work with this committee when we did the climate change accountability act—I can see Mr. Bachrach and Madame Pauzé here—and that was a lot of really tough lifting that your department helped us with. It's great to see that you're ahead of schedule on the audit coming forward, because that was a concern we all had at that time. It's going to be great to see those numbers coming to us.
When we look at OSFI—I'm going to Mr. Tardif—and the climate change risks that financial and insurance institutes are looking at.... I have the Co-operators head office in Guelph. Mutuals and co-ops across Canada are all concerned over disaster mitigation and the cost on their industry, which isn't picked up by the Parliamentary Budget Officer. Again, I just have to keep putting that in. There are a lot of external costs that we have to be managing here. How could you work with the co-ops and mutuals as part of our financial institutions in terms of helping them to mitigate or understand the risks they're taking?