Thank you for that, MP Baker.
I'll reiterate that I do know that our clerk makes all best efforts to be able to have our witnesses here. I know personally, having heard from Alexandre, that he did reach out to the individuals from the Canadian Lenders Association to be here. As I said, he made every effort for them to be able to appear, but they are not here with us today. We do have some other witnesses.
Go ahead, MP Chambers.