We'll reconvene, and I'll call the meeting to order. We'll have to ask the media or the cameras to depart, please.
We are doing a study on consumer protection and oversight in relation to the schedule I banks. We have with us in the second session three of the schedule I banks: BMO Financial Group, National Bank of Canada, and the Royal Bank of Canada.
We will start with you, Mr. Dudtschak from the Royal Bank. The floor is yours.