Thank you, Chair.
I want to start with Ms. Nancy Hughes Anthony.
We have a huge irony here. There isn't an MP at this table who doesn't believe that credit is more difficult to obtain, and yet your stats show that you're up in every category. I think the reason you may be up in every category is that a lot of non-bank actors have effectively exited the field. Because they've exited the field, the government has felt it necessary to push the risk down onto BDC, EDC, and entities of that nature.
Effectively what has happened is that the bank has increased its overall share, and your stats go up, but there's not more credit actually out in the system. In fact, consumers and business people are having, certainly at the lower end of the creditworthiness spectrum, more difficulty gaining credit, the irony being that this is probably not at all stimulative to the economy.
I'd be interested in whether that analysis squares the circle as to the contradiction between what we as MPs are hearing and what you as a representative of the bank industry are saying.