Thank you, Chair.
Thank you all for coming on this lovely rainy day. I have a number of questions. As the Chair mentioned, it's a very diverse group.
I'm going to start with you, Ms. Morris, with a couple of questions around your presentation from your CARP membership.
On the competition piece, we have been talking about what that looks like, and about the two organizations, one not-for-profit and one for-profit, that are the clearing house, if you will, for complaints.
When was that competition opened up? When did it go from only one not-for-profit to a for-profit model?