Thank you, Mr. Chair.
First of all, Ms. Allhalaq, I want to emphasize how terribly sorry I am to hear that you've had some problems. Obviously there have been some oversights. For example, you cited the fact that you had received an emergency bill and a demand for payment. You also mentioned that on one occasion you had made it to the library, where you had an appointment, but no one from the settlement agency was able to meet you there.
Out of curiosity, do you only deal with one settlement agency?