I call to order the 17th meeting of the Standing Committee on Finance. Our orders today are pursuant to Standing Order 108(2), the study on measures to enhance credit availability and the stability of the Canadian financial system.
We have four distinguished guests with us here this morning. From TD Bank Financial Group, we have Mr. Don Drummond. From the Conference Board of Canada, we have Mr. Glen Hodgson. From the C.D. Howe Institute, we have Mr. Finn Poschmann. Finally, from the Canadian Federation of Independent Business, we have Mr. Ted Mallett.
Gentlemen, we thank you very much for being with us here this morning. Let's start in that order of organization. We have allocated about five minutes for an opening statement, if you could try to stick to that as best as possible, and then we'll do questions from members.
Mr. Drummond, we'll begin with you.