Thank you very much, Chair.
I'd like to make a couple of comments first before I ask you some questions, Ms. Clark-Stewart.
First of all, with regard to Mr. Lake's most recent comments about the banks being the strongest in the world, I'll remind everybody that the Canadian taxpayers did pay--it's off the books, of course, not official--$75 billion to our banks.
Some of our banks made very poor investments in the last number of years, the same as American banks did, CIBC being the most notable, in terms of being in trouble.