Good morning, ladies and gentlemen. Bonjour à tous.
Welcome to the 39th Meeting of the Standing Committee on Industry, Science and Technology.
Again we have witnesses here in regard to Bill S-4.
From Borden Ladner Gervais, we have Éloïse Gratton. Welcome.
From the Canadian Life and Health Insurance Association, we have Frank Zinatelli, vice-president and general counsel; and Anny Duval.
From the Credit Union Central of Canada, we have Marc-André Pigeon, director of financial sector policy; and Rob Martin, senior policy adviser.
From the Insurance Bureau of Canada, there is Randy J. Bundus, senior vice-president, legal and general counsel; Madalina Murariu, acting manager, federal affairs; and Richard Dubin, vice-president, investigative services.
We will begin with the opening statements in order.
I think you've been advised that you have five to six minutes for your opening statements.
Madame Gratton, please begin.