Thank you, Mr. Chair.
Happy celebrations for the CFIB and the year of the co-op and the day of the co-op. It sounds like it's a banner week to be here.
I'm going to start with Mr. Rogers. We introduced some draft regulatory changes. Of course, when they're finalized, they're going to allow more pan-Canadian opportunities.
Can you tell me what you see for the future of credit unions with those changes, once they're enacted? Are a number chomping at the bit for these changes? Could you talk a little bit about that and the future?