It's just one introduction. Okay. Thank you.
My questions are mostly for the finance officials who are here, so thank you very much.
Mr. Smith, you have been here before. Welcome, Ms. Wrye. Welcome, Ms. Smith.
The main questions we have are about your department's role—in finance—in regulating two Canadian entities, particularly Sun Life and Manulife, and how that regulation impacts them when they have foreign subsidiaries that are regulated by a separate entity. It's that overarching regulatory authority where you're looking after how they behave in Canada with respect to people in Canada who might be permanent residents.
Can you give us a little explanation of how you're overseeing the way you regulate these entities in Canada once they're dealing with people who are Canadians who've come here, in this case, from Hong Kong and can't access their Hong Kong pensions?