Members, we're back. I know it's a little rushed, but we have to get back on track here and make up some time.
We do have all of our witnesses here. The witnesses from our previous panel are still with us, and we thank them for that. If you have questions for them, we'll ask them to come to the table and you can pose your question to one of those witnesses.
Right now, we have before us, from the Canadian Credit Union Association, Mr. Michael Hatch, vice president, government relations,
From the Quebec environmental law centre, we have competition law researcher Julien Beaulieu.
From Pathways Alliance, we have the vice president of government relations and public policy, Mr. Mark Cameron.
Welcome.
We're going to hear some opening remarks.
We'll start with Mr. Hatch, please.