Thanks very much, Chair.
Thank you for what you do.
I did sense from you, Mr. Martell, a certain “do no harm” caution in terms of the role of government. I guess you were cautioning the committee not to dive in and make a whole bunch of recommendations that haven't been completely thought through from the bottom-up perspective of what happens on the ground when certain things are put forward. Even in terms of Ms. Whiteduck's suggestion of an SME fund, or the concerns I heard expressed about the FNFA, I think we will be hearing from witnesses about how we can do a better job of getting people credit ratings and trying to do something.
If you were writing this report, what would the recommendations look like?