Members, we're back.
We have our second panel with us now, and we're looking forward to hearing from them.
With us we have the Canadian Teachers' Federation and its president, Heidi Yetman. Welcome, Ms. Yetman.
From the Financial Consumer Agency of Canada, we have with us the deputy commissioner for supervision and enforcement, Frank Lofranco. We also have the deputy commissioner for research, policy and education, Supriya Syal, and the interim commissioner and chief financial officer and assistant commissioner of corporate services, Werner Liedtke.
Our third witness group here is from the University of Ottawa. We have Stewart Elgie, professor in the faculty of law. Welcome, Professor Elgie.
On that, we are going to start with the Canadian Teachers' Federation and its president, Ms. Yetman, please.