I will call the meeting to order. I hate to rush people, but we are going to have a very hard stop on account of the vote. We might be able to go to 10 to six, but we're scheduled to a quarter to six.
We're here on the pre-budget consultations in advance of the 2018 budget. I'll ask the witnesses to hold their remarks to about five minutes. We are a little tighter on time than normal, but we thought it would be better to finish the panel rather than to have you wait until after we vote, so be as concise as possible, please.
We are starting with the Financial Advisors Association of Canada, Mr. Pollock, president and CEO.