We'll reconvene now.
I will just explain to members where things are at. There will be another vote at 5:45. We will tighten up the questions to the current witnesses and try to finish at 5:30. That will give people time to grab a bit of a snack here, go to vote, and come back and start with the second series of witnesses. That's how we will do it.
We will now turn to Mr. Lloyd from DLC Canadian Mortgage Experts.