Thank you, Mr. Chair.
Mr. Hannah, I very much enjoyed your opening remarks. I listened to you closely.
I have the greatest respect for the banking system. We all know how important it is.
One of the significant characteristics of the Canadian banking system is that it's regulated, and that lends it stability. In a way, it also inspires consumer confidence.
You said that, and that's one of the things you often say when you speak publicly: We are highly regulated. With regard to credit cards—