Members, I'll ask you to please take your seats. We are here at the fifth meeting of the Standing Committee on Industry, Science and Technology. The orders today are pursuant to Standing Order 108(2), a review of Canada's service sector.
We have three organizations with us today. The first organization is the Insurance Bureau of Canada, with the president and chief executive officer, Mark Yakabuski. We have two representatives from the Canadian Bankers Association: Nancy Hughes Anthony, president and chief executive officer, and the vice-president for policy, Mr. Terry Campbell. We also have a third organization, the Canadian Life and Health Insurance Association Incorporated, with the president, Mr. Frank Swedlove. I believe, Mr. Swedlove, you'll be with us until 10:30 this morning, as you have to catch a flight. We have the vice-president, taxation and research, James Witol, and senior vice-president of Quebec affairs, Mr. Yves Millette.
Welcome to all of you. We will start with the Insurance Bureau of Canada. We will start with presentations of up to ten minutes by each organization, and then we will go into questions from members. We'll start with Mr. Yakabuski.