All right.
I'm also cognizant of the fact that we want to be fair to both panels. If in fact we're going to deal with this after the first panel, I'm going to have to cut the first panel short by at least ten minutes; that's just the reality of it, to make sure each panel has the same amount of time. I want to be sure everyone understands that. So we'll deal with the first panel, then deal with your point of privilege, and then we'll move on to the second panel.
We have before us a number of witnesses. First of all, we have Diane Urquhart, independent financial analyst. We also have with us Gary Logan, detective sergeant retired, Toronto Police fraud squad; and finally we have, representing the United Senior Citizens of Ontario, Ken Cunningham, president.
All three of you have been briefed on the process. Each of you has ten minutes to present, and then we'll open the floor to questions from our members.
Who would like to start? Ms. Urquhart.