I'm going to ask everyone to take their seats quickly.
We have another robust panel. People want the ability to present. We have a tight timeline, so I'm going to ask everyone to come together as quickly as possible.
Once again, we're on the unceded territory of the Algonquin people. At a time of truth and reconciliation, it's important for us to recognize the special relationship that we have with indigenous people. This committee is continuing its study of default management.
Our second panel consists of the national chief of the Assembly of First Nations, Perry Bellegarde; regional chief, Ghislain Picard, and representative Norm Odjick, from the Assembly of First Nations of Quebec and Labrador; and Pam Palmater, appearing as an individual.
I want to welcome all of you. You will have 10 minutes to present. After that, we will go into questions.
I'm going to suggest that we start with Pam. You have 10 minutes to present.