Thank you, Mr. Chair. I have just a couple of short questions.
First of all, thank you to the presenters today for the very good information.
One question is for the First West Credit Union. For Canadian credit unions, how much of an increase have you seen in the number of individuals or businesses defaulting on their loan payments relative to 2019?
The second question is, have the credit unions been affected differently than the larger financial institutions, and how did the credit unions address these differences, if they were there?