Thank you, Mr. Chair.
Thank you to both our witnesses.
My first question would be for you, Nathalie, if I may call you that. You were talking a lot about oversight and the need for oversight mechanisms. Can you share some specific incidents in which oversight and oversight mechanisms would have been helpful and may have prevented an incident from occurring?
You also mentioned gaps in accountabilities, and insufficiencies. Perhaps you could provide examples or expand on those, because you touched on them very briefly in your opening.