Thank you, Mr. Chair.
I just want to thank each one of our witnesses here for the work that you do helping educate parliamentarians, as well as the government.
I'm going to start first with FCM. Brock, thank you for being here today. We talked a lot about tax implications today, but I think your membership...when I speak to local mayors, councillors, etc., I think the government has put out a lot of rhetoric around how they're going to support, but to me it seems they've made the processes by which you apply much more complicated. People don't know if they apply to the provinces, apply to the federal government. Are they going to go through an infrastructure bank, which they don't understand?
Is this a problem that you're hearing from your stakeholders?