Thank you, Mr. Chair.
Welcome, Ms. Robertson. It's a pleasure to have you here. I appreciate your eventually accepting the invitation, so thank you for supporting our study.
I wanted to talk a bit about your mortgage guideline, which I think came out June or July of last year. In September, OSFI put out a very direct note saying B-20 guidelines had to be enforced. It seems to me that there's a bit of daylight between the expectations that FCAC has of organizations and what OSFI is putting on organizations. Is that a fair interpretation?