Thank you, Mr. Chair.
Thank you, all, for appearing today.
It's been interesting to follow, particularly with regard to the banking association, the interest expressed and the vision tested by your president, Mr. Parmenter, at a speech in January.
In your opening remarks, Ms. Mandal, you mentioned three challenges: the clumsiness, the outdatedness and the drag on economic growth. Which of these did the commercial banks address first or do you believe it is possible for the public service, as opposed to the private sector, to address all of these at the same time?