Thank you, Mr. Chair.
Like you, I would like to thank all the witnesses for accepting our invitation on such short notice and with so little time to prepare. It's very much appreciated, and I thank you for it.
I would like to say hello to Mr. Kelly and tell him that an all-party caucus is currently working on entrepreneurship with his organization and a number of his colleagues. For my party, Sébastien Lemire is co-hosting the event with several of my colleagues at the moment.
My questions will be for the representatives from Option consommateurs. I would like to thank Ms. De Bellefeuille for her presentation and Mr. Plourde for being here.
Ms. De Bellefeuille, you raised three very important topics that are addressed in Bill C‑47: air transportation, banks and usurious credit. I will have a few brief turns to speak and I will try to come back to these three elements.
I'll start with the banks. There will be changes, and you told us that Bill C-47 will put an end to banks' ability to choose the external body that will handle complaints against them.
Can you give us an example of what that means and what it changes? Could you then explain to us why that organization's recommendations will remain non-binding?