Thank you, Mr. Chair.
Congratulations on your election, once again. I'll miss the committee.
Thank you to the witnesses for being here.
This is more for a point of clarification in terms of how it works. I'm not sure who's going to be able to answer this.
It's the lenders who decide who they're going to utilize as the end user, so it's not clear who's making the money and who's going to pay more. I think Mr. Poschmann said that it's going to cost more to deal with the private sector, but Ms. Nash was alluding to the fact that the private sector will probably be able to have the pick of the litter.
Who's going to be making the money, and how much more will it cost consumers even though we are opening up the market?
I guess this question is for you, Mr. Poschmann.