Colleagues, we are going to resume our meeting. At the top of the hour, because we have new witnesses with us, I would like to remind participants of the following points.
Please wait until I recognize you by name before speaking. Those of you who are participating by video conference, click on the microphone icon to activate your mic, and please mute yourself when you are not speaking. You can, at the bottom of your screen, select the appropriate channel for interpretation: floor, English or French. Also, I'll just give a reminder that all comments should be addressed through the chair.
I'd like to take a moment to welcome our next set of witnesses. We have appearing with us Mr. John Stapleton, principal, Open Policy; Ms. Jasmine Toor, vice-president of public affairs, Mortgage Professionals Canada; and Mr. Peter Drobina, vice-chair, tax and incentives committee, the National Apartment Council.
You will each have five minutes for your opening remarks.
Mr. Stapleton, we will begin with you.