Welcome to our guests, and welcome back to work, committee members.
Pursuant to Standing Order 108(2), briefing on automated teller machine fees and electronic payments, I welcome our witnesses today. Thank you very much for your submissions earlier to the committee.
You have been told that you'll have five minutes, and I want to make it clear to you that I will have to hold you to that. I will give you an indication, if you wish to make eye contact, that you have a minute remaining or less, and then we'll unceremoniously cut you off to allow for exchange with committee members.
I welcome you and again thank you.
We'll begin with Nadia Massoud, assistant professor, finance and economics, University of Alberta. Nadia, you have five minutes.