Thank you, Chair.
I welcome my colleagues and all the witnesses, whom I thank for being here today. I also apologize for arriving so abruptly.
Mr. Baker, I regret having a chairman who is so strict with committee members. I think he's just as strict with witnesses.
Madame Pelletier‑Marcotte, I believe you had started to tell us about the recommendations regarding decarbonization or the carbon footprint as it relates to Canadian bank portfolios.
Could you expand on that?