Thank you, Mr. Chair.
I would like to thank the two representatives of Chartered Professional Accountants of Canada for being with us today. I liked your presentation. It was very clear. We can see that it was prepared with great care.
Ms. Fox, I feel like playing devil's advocate. There is a saying in English that goes: "If it ain't broken, don't fix it." The budget is passed in the House of Commons, and in committee, and we approve the supplementary estimates. You have explained that the government of Canada's financial system is based on three pillars. You talked about two acts. The briefing notes for the committee tell us that this could imply major costs and there would be a lengthy transition period.
I can agree that, in theory, the method you advocate is the best one, but should we take into consideration the costs of the transition and training, which might also be rather high? This is a rather complex process and we might find ourselves embroiled in a situation where we would not necessarily come out ahead. You have advised us to listen to the provincial governments on this point.
Your recommendation is clear. You are asking whether the rewards are worth it. Can you explain it again, more concretely or more concisely?