Thank you, Mr. Chair.
A couple of things that I noted in your presentation, Terry, were a couple of issues that you did have and would like some further study on. One was the extent of the current disclosure requirements to deposit-type registered plans, such as RRSPs. I didn't see any recommendations in the report itself, and I wondered if you had a couple.
Further to that, as our chair indicated, we are moving to clause-by-clause fairly quickly. I don't know whether these are substantive changes or whether these are changes that could be negotiated between the ministry and the industry. We see your issue coming forward here. Having said that, obviously if there are a couple of recommendations, what might they be with respect to the first part of the RRSP section?