Thank you, Mr. Chair.
Good morning, everyone.
My first question is for Mr. Buell. In your testimony, you made some extremely important statements on behalf of the Small Investor Protection Association. The financial crisis and the ABCP scandal, among others, are greatly affecting Canadians and Quebeckers. This is fundamental, in that all of this comes down to a matter of trust. You quoted emails received from people who put an end to their lives, and I am convinced that there are others in the same situation, who did not send such a message.
You said that the investment sector exploited the situation by offering very deficient products that also seemed attractive, and that warnings were issued with respect to the system's shortfalls. What sort of warnings are you talking about, exactly?