I call the meeting to order.
Pursuant to Standing Order 108(2), we'll continue our study of consumer protection and oversight in relation to schedule I banks.
Today, we have with us, as an individual, Sally Watson. Members have copies of her remarks, which have been translated.
Also as an individual, we have Mr. Elford, who has remarks, but they haven't been distributed to committee members because we don't have them translated yet.
On the phone, from the Small Investor Protection Association, we have Stan Buell. He'll say hello when he comes on.
We will start with Ms. Watson.
Welcome. I believe some members have told you what the procedure is. You'll make an opening statement and then we'll go back and forth with questions. The floor is yours.