Order, please.
Good morning to everybody. Thank you for appearing.
We're here, pursuant to Standing Order 108(2), for a study on measures to enhance credit availability and the stability of the Canadian financial system.
I'll provide the witnesses with five minutes. Perhaps you can keep it to five minutes, and I'll try to indicate that you have a minute left when you're making your presentation. If you can stick to the time allotted to you, it would really be appreciated; the members will want to ask questions.
I have a list of witnesses here, and we can start with the Tricor Automotive Group.
Mr. Campbell, I think you're ready, so go ahead.