Thank you, Chair, and thank you, witnesses.
Mr. Legault, you're very popular, so I thought I'd start with you.
Mr. Conacher and others argue that you don't need ten days, you don't need four days, and in fact maybe you only need 24 hours; that 98% of cheques clear; that really this is a discriminatory system against poor people, etc.
I don't know whether you heard Mr. Conacher's or Mr. Lawford's testimony, but I'd be interested in your comments on whether this is, (a), possible, or (b), practical.