Thank you, Mr. Chair.
Thank you for your presentation. My first question is on the Basel II Capital Accord and the funds allocated to implement it. In general terms, can you remind us what the accord is about, and tell us how the office intends to assist banks in adhering to the accord. In your statement, you mentioned that the Office of the Superintendent of Financial Institutions will work closely with the banks in the coming year as implementation of the Basel II Accord moves forward. I would have liked to know, in concrete terms, how exactly the office will work alongside the banks. And please remind us, if you will, of what the Basel II Accord is about.