We are going to resume the meeting. Thank you very much, and welcome back. I would like to welcome our witnesses for the second half of this meeting.
We have Sue Hutchison, president and chief executive officer of Equifax Canada. Joining her is Rebecca Oakes, vice-president of advanced analytics.
We also have, from TransUnion Canada, Matte Fabian, senior director of research and consulting, and Clarke Cross, director of government relations.
I see that Mr. Garon has a point of order.