Thank you.
I'll start by asking Mr. Lafrenière a question about a concern we've had discussions on before, and that is the push by banks to get into the insurance industry.
I tend to agree with your paper, but one thing we've always heard is that there is much more involvement in the insurance business by the banks or credit unions in the province of Quebec. We're always told that this has not hurt competition. I'm just looking for some way to clarify that situation and what the real facts are.