Thank you very much for your testimony. What you have come to tell us this afternoon will help to improve Bill C-27.
My first question is for Mr. Morency, from the Mouvement des caisses Desjardins.
You talked about an implementation delay of one year, and among other things, you said that consultations should be held. I would like to hear more about this from you.
Who should we consult and who should do the consulting in order to arrive at a time period that would seem fair and equitable to you?