Thank you, Mr. Chairman.
Good morning everyone. My name is Steve Masnyk. I am the Manager of Communications for the Insurance Brokers Association of Canada. Through its 11 provincial and regional members, the Insurance Brokers Association of Canada represents over 30,000 insurance brokers who are living and working in almost every community of our country.
Mr. Bob Kimball and Mr. Peter Fredericks, who are respectively the Chairman and the Vice-Chairman of our association, are with me this morning. I would like to leave the floor to Mr. Kimball who will be followed by Mr. Fredericks.