Thank you, Mr. Chair.
Welcome to both of you. My first question is about credit insurance.
Let us take the example of a business that sells lumber to the United States and that has customers in Quebec and in Canada. Let us imagine that some of its representatives meet with you and tell you that over the next six months, the company must provide certain quantities of lumber to its customers. If I understand correctly, you could provide that company with insurance on its accounts receivable. Then, those same representatives would go see their banker and tell him that they need money and that they have insurance on their accounts receivable. I assume that a loan would be granted. Are there any savings on the interest rate? As compared to credit insurance, what would be the savings for this sawmill?