Okay, I think we'll call the meeting back to order.
We have panel two here. Sorry to disrupt the situation with votes.
As you know, we're studying the subject matter of Bill C-86, the budget implementation act, 2018, no. 2. We think we'll be able to hear from all the witnesses. Try to keep it to five minutes, if you could. It would be nice if we could get one round of questions in, at least one question from each of the parties.
The floor goes to Ms. Durdin, President and CEO, Canadian Credit Union Association.
Go ahead.