Thank you, Mr. Chair.
Thank you to our guests who came here to testify under oath.
You might want to follow the committee hearings. We have a minimum of four meetings, but sometimes we bring witnesses back, especially the first set of witnesses because often we get testimony later on that could be something we need to corroborate.
This is the first thing I'd like to ask, maybe going to Mr. Dorey. Do you carry a credit card balance? The credit card that I have has a 20% interest surcharge if I don't pay it off fully. I want to know if you actually carry a balance. Do you pay it off at the end of each month?