Good morning and thank you, Mr. Chair.
I'd also like to say hello to my colleagues around the table, as well as the witnesses joining us today.
My first question is for Ms. Vonn, who talked about FINTRAC and the need for oversight, in her view.
Do you think FINTRAC has too much power? You used the term “over-collection” in relation to personal information. Could you talk about the situations in which peoples' civil liberties could be violated?