Thank you very much, Mr. Levin.
The very questions you've put to us both strengthen our resolve and reaffirm our reasons for going into this study. I can assure you that the banks are scheduled as witnesses before this committee, and they will not blow us off the way they've clearly blown you off, I can assure you. We will use whatever authorities we have to make sure they answer those questions that are put to them.
We have time for only one round, sadly, and only a five-minute round. I can see that we will want to call both of you back as witnesses as we proceed with this study—I certainly hope the committee can agree to that—perhaps after we've heard from the banks again.
We'll begin questions with the official opposition.
Ms. Borg, you have five minutes, please.