Thank you, Chair.
I'm going to direct my first question to Mr. Routledge.
I read the speech you presented in Vancouver recently, prior to Christmas. There were a few things that kind of interested me, and I just want you to extend your viewpoint on them.
Our financial system has fared extraordinarily well through several bouts of financial volatility including during the last 18 months. I just want to know what avenues are being taken to lessen that risk going forward.