Thank you, Mr. Chair.
Thank you to the witnesses for coming forward.
Just to set the record straight, Mr. Campbell, you mentioned those other lenders in the auto industry. We used to have somewhat of a joke that if you were standing up and breathing, you could get loans from some of these institutions. So it was good practice. It was good practice and it's put you in the position you are today, and I applaud you for that.
And that's not said enough in this country, the fact that we have institutions that, first of all, remember that the money they're working with is the customer's money. I expect some day, if I'm saving money, to go to your bank and get that money out. I don't want to hear about bad risks that you've taken. So I applaud you for what you've done.