We'll reconvene on Bill C-44. I would ask the witnesses and members to come to the table.
Welcome, folks. We have Normand Lafrenière and Frank Rider from the Canadian Association of Mutual Insurance Companies; Nicholas Rivers, associate professor with the University of Ottawa; and Marc André Way from the Canadian Taxi Association. Other witnesses may arrive shortly. We'll see.
We'll begin with the Canadian Association of Mutual Insurance Companies first.
Mr. Rider, the floor is yours.