Thank you, Mr. Chair.
Thank you all for coming today.
I'll direct my first questions to the pair from MNP.
It was a great presentation, very concise and very helpful, with treatment of both interest and succession in family business. I can assure you, from my years of experience in business, that I can't think of one time when I wanted to borrow money for an interest deduction, so I think you're on the right track.
However, on the unintended consequences of that, I think it has big consequences on business growth, particularly for medium-sized business. Can you speak to that? I see a working capital issue. It has very far-reaching effects.