Thank you, Mr. Chair.
Again, thank you, everyone, for your presentations today. They're very illuminating.
I'm going to start first with the Sarnia chamber of commerce. Thank you, Ms. de Silva and Ms. Shepley, for being here today. I certainly appreciate the fact that 95% of your members are small businesses and they're who you're here to represent.
I've done a lot of travel throughout Canada, as many of the other members have, and what I hear from many business owners is, first of all, that because of the uncertainty, they are not hiring. Second, they are not investing, because they are waiting for the changes. As you've said, the government has given some indications of what it'll do, but, as you also said, the devil is in the details. Are you concerned that your entrepreneurs are not going to be hiring and that they're not going to be investing until they have complete certainty as to where these changes are going?