Thank you very much.
I'll maybe give an explanation because it's quite unusual for us to have this many people on a panel. When we first looked at this panel and the deadline we're under on Bill C-29, we thought there might be votes today. Usually when there are votes, we end up cutting the last panel short.
I encourage members to take notes. We will go two rounds of questions, five minutes all the way around because I know there are a lot of panellists. Not everybody has to use their five minutes twice. It is so that people will not be rushed and can get enough questions in.
From the Association of Canadian Financial Officers, Mr. Chamberlain, go ahead.