Thank you for joining us.
Thank you for joining us from British Columbia as well.
I want to go to Mr. Allen first, because I was very taken aback by what you had said about how it works at Pigeon Park Savings. I'm going to quote from what you said:
How do we open accounts for people without ID? As in the Elections Act, we rely on vouching. We rely on vouching from neighbours, financial assistance workers, housing providers, clinical workers including doctors and nurses, and so on.
This is where it's very important:
In over 10 years of operations, having opened accounts for more than 10,000 individuals, we have never had one case of fraud as a result of a falsified identity.
Mr. Allen, that's a pretty strong statement and we're talking about banking; we're not talking about a constitutional right, which is section 3 of our charter, when we talk about voting.
Our previous witnesses talked about not really seeing an incentive to commit fraud. But for some reason in this debate that we're having here, there is always this nefarious assumption that is tagged along with vouching, as if it's something we should be suspicious of as opposed to encouraging people to vote. Would you agree with that?