Thank you very much.
I neglected to mention at the beginning that we do have all the briefs. I know all of you presented briefs, and I want to thank you for the concise way they've been put together this year. I think we have over 500, so when they're concise it makes it a lot easier for committee members. Thank you all for that.
Turning to the Canadian Credit Union Association, we have Ms. Mentzelopoulos and Mr. Denney.