Thank you very much, Margaret.
As I indicated, those comments will go into the record and be considered.
We will start the formal aspect of our meeting. As everyone knows, this is the finance committee doing pre-budget consultations for the 2019 budget.
For the witnesses, those who have presented submissions prior to August 15, we have those. Those are considered as well. They're on people's units, and they will be referring to them from time to time.
Before we start, just to give you a little bit of an idea where people come from on this committee, I will go around and ask members to introduce themselves.
Perhaps, Peter, we'll start with you.