Thank you, Mr. Chair.
Welcome.
Many of the financial institutions are making significant provisions for increasing loan losses. Four out of five are double—in some cases, triple—this year what they were in the previous year, except for one. I won't name that institution, but you may know which one I'm speaking about.
I'm just curious. Is the finance department in regular discussion with these banks about the sizes of their loan loss provisions and about what may be driving these higher provisions?