I understand that the translation is working now. Thank you.
From the Chemistry Industry Association of Canada, we have the president and CEO, Mr. Richard Paton. From the Credit Union Central of Canada, we have the president and CEO, Mr. David Phillips. Welcome to you.
From the Retail Council of Canada, we have the vice-president, Ms. Karen Proud. Welcome to the committee.
And by teleconference we have, from the Credit Union Central of Manitoba, the CEO, Mr. Garth Manness.
Each of you will have a maximum of five minutes for an opening statement, and then we'll have questions from members.
We'll begin with Ms. Eggertson, please.