Thank you, Mr. Chairman.
I will share my time with Mr. Thibeault. I have the following question for all four witnesses.
Did you know that a review of the Financial Services Act had been planned? Were you able to make recommendations last fall, when the review was announced, at least on a website?
Mr. Phillips clearly explained what, in his view, should be added or changed with regard to Bill S-5, but I would like to ask the three other panellists to tell us what they see as being the shortcomings of the bill.