Thank you, Mr. Chair, and good morning, ladies and gentlemen.
I have a question for Mr. Rabbior. Mr. Rabbior, I was looking at the “Newcomers to Canada DayPlanner” that you've kindly provided to us, and I want to commend you on assisting new Canadians with becoming familiar with the financial system in Canada. I can only imagine how bewildering it must be for some newcomers to Canada. I wonder if you could tell us a bit about how new Canadians without credit histories obtain mortgages in Canada and if you are aware of any problems they might be facing in that regard.
After you've had a chance to respond, I'll also direct a question on this to Mr. Serré.