I'll ask colleagues and witnesses to take their seats, please, for our second panel.
The organizations we have here are, first of all, the Canadian Bankers Association; Polytechnics Canada; the Forest Products Association of Canada; the Western Canadian Wheat Growers Association; the Grain Growers of Canada; the Canada Foundation for Innovation; and the Co-operative Housing Federation of Canada.
Each of you will have five minutes for an opening statement, and we'll start with the Canadian Bankers Association.