Thank you, Mr. Chair.
Welcome to our witnesses. Thank you for appearing today.
I'd like to begin with Mr. Pigeon and Mr. Martin on the credit union side.
You spoke about elder abuse and fraud. You suggested, in your opening comments, that we're doing some things right with Bill S-4. I wonder if you could expand on it. You say in here that the measure could be refined, however, by making it possible to disclose suspected abuse to a member of the individual's family, and that research has shown that often, in the case of elder abuse, the next of kin is the abuser. You also talk about CUSOURCE as a training program, or you've taken some of your solutions and are applying them to day-to-day operations.
I wonder if you could talk about Bill S-4 and how this is making it more feasible to track elder abuse. What are you doing through CUSOURCE to make it work?