Thank you, Mr. Chair.
Thank you to the growing number of you who are here with us today.
On that point, I had the pleasure of being at a presentation by the deputy chief economist of the TD Bank on the B-20, which my colleague has referred to. In fact, he said their position was that it was the right thing to do. It has done what it needed to do. It of course needs to be constantly re-evaluated. It is something that's often brought up at this table, and I think it's important to point out that there are opinions on that that differ from my colleague's opinion.
I have two quick questions. On the governance council for the Financial Consumer Agency of Canada, can you tell us a little bit about what putting that council in place is providing in terms of the return on the investment, if you will?