Thank you.
I'll start with Ms. McNeil. I was involved for many years in the mortgage industry, including being its industry representative on the Real Estate Council of Alberta. Many of the things you said struck me as quite familiar. It sounded to me like you were conveying a sense that the honest practitioner at times finds it onerous to comply with regulations, leading to a situation wherein the people who know the rules the best are the criminals, who then have the knowledge to circumvent or to find end runs around regulation. Is that similar to the experience of your members?