Thank you very much, Madam Chair.
Thank you, Ms. Bowers, for appearing today. I was thinking that I'm sure taking over the CMHC during a pandemic can't be easy, but you're obviously the right person for the job, so thank you very much for appearing today.
I want to pick up on what MP Vis questioned you on. You were just starting to talk about how optimistic you are about the future. I want to give you an opportunity to express what your thoughts are about where we're going and the optimism that you see.