I am sorry, but we are going to have to end it there.
I want to thank all the witnesses for coming and giving their views and ideas. We heard a lot of good information on this panel. In the various meetings we've had, we've heard constructive criticism. We appreciate that and ideas to move forward with. Again, thank you.
I'm not sure if the next panel is available yet.
If the Canadian Bankers Association and the Canadian Credit Union Association are on the line, we'll do a sound check.
Okay, we'll officially call this panel together. We have an hour with this panel, so we have to be fairly tight on the time frames, especially for questions. We'll go to five-minute rounds of questions on this one.
We have with us the Canadian Bankers Association and the Canadian Credit Union Association.
Starting with the Canadian Bankers Association, Neil, do you have an opening presentation, please?