Thank you very much, Ms. Lambert and Mr. Wall.
Now, for part 6, division 7, “Payment Clearing and Settlement”, could the witnesses come forward?
We have from Finance Canada, Ms. Bourdeau, senior advisor, financial sector policy branch; Mr. Sample, acting director general, capital markets division; Mr. Brown, director, financial stability; Mr. Vaillancourt, director, payment policy. From the Bank of Canada, we have Mr. Chande.
Welcome, and the floor is yours.