Thank you, Mr. Chair, and thank you to all our witnesses for appearing here today.
I'm glad we have OSFI here with us, and that's where I'm going to direct my questions to start with.
We haven't had the regulator here to explain some of the jurisdictional issues that we all face. I'm privileged to have met with almost all of you before in this process, so I've heard some of the challenges, and we're hearing more as the witnesses continue to come to our committee. I'm glad that the rest of are able to hear these challenges.
We know the complexities of this situation. Ms. Cameron, we realize the importance of making sure that any new policy direction we take is in cooperation with the provinces and we're seeing more and more provinces step up to that, rather than working at cross-purposes. Can you provide us with a quick analysis of the jurisdictional issues that pension regulation policies present to you and to the provinces?