Thank you, Mr. Chair.
I'm very happy the witnesses coming forward are giving us their insight, especially the CCTS.
I will start my questions with Ms. Thibault and Mr. Maker.
In my experience as a provincial member in Ontario, there's something called Tarion for developers or builders. It's an insurance program. It's mandatory to enter into it. If a building falls flat, the owner can take it to Tarion. What happens is that this will affect their insurance rate for the next year. Usually builders rush to fix the problem—whether it's a door, sink, drain or whatever—so they can avoid further escalation to Tarion.
I'm bringing this up because I see that the CCTS, in its original establishment, was created as an independent, industry-funded resolution centre for consumers. However, what's the incentive for providers to join and fund you, knowing you're going to be a watchdog over their shoulder? I'm trying to learn a bit more about the CCTS.