Thank you, Madam Chair.
Thank you, everyone, for participating in the work of our committee.
I'll be asking my questions in French.
As I said, I am very pleased that you are taking part in our work today, which is very important. The default prevention and management policy was implemented to address major financial management issues for first nations communities.
To help us mere mortals, can you tell us, based on your experience, what are the three main problems that first nations communities face in the management of their financial resources?
This is for Ms. Trottier or Mr. Calla.