Thank you, Mr. Chair.
Welcome to the finance committee, Ms. Bergeron. I appreciate your testimony here this morning.
I also want to publicly thank the analysts, who did some good work in the briefing note to help committee members prepare for this meeting, as they do for many meetings.
We just had OSFI in here talking about one of their guidelines for financial institutions, and there was a bit of a discussion around whether it should be up to financial institutions themselves to decide the kind of risk that they would like to disclose to their members. I note that, in Vancity's circumstances, obviously you have some shared values that you probably share with your members.... It's a source, maybe, of competitive advantage for you as you try to collect members and position yourself against other similar entities.
Would you view that as an appropriate observation?