Thank you, Chair, and thank you, witnesses.
Ms. Mason, I'm going to go to you first.
You talked about written guidance. Could you maybe expand on it a bit?
Right now, when you're dealing with, let's say, a Canadian business that is looking at doing business in another country, what is there for you to provide for guidance? Because there's no guidance in place, is it possible that they get different advice from one institution versus another?
Just give me some—