Thank you, Mr. Chair.
Thank you to all the witnesses for attending today.
My first question is to Mr. Wrobel from the banking association. I know that all 53 banks in Canada have tons of accountants and forecasters and people who know what's going to happen. It's a competitive industry, but highly regulated as well. You know what's going to happen in the future in relation to the PRPP. Are the banks intending to make a lot of money off this?