Welcome, to our guests.
I have a few questions here.
We've had quite a remarkable improvement in results from when our previous witnesses were here and the compensation advisers were up in arms, etc., and overworked and underpaid, etc.
But I have a bit of a problem with an equation here. You've hired 100-plus compensation pay advisers, and it's going to take a year and a half to two years to train them. So they're really not that effective yet. And yet, in the last few months, we have had a dramatic improvement.
So my question to you is, why have we had such a dramatic improvement before we even have these compensation advisers in and able to contribute well to the system? Is it because of the technology advancements you've made, or is it just from more attention being paid to the file?