My name is Richard Cannings. I'm the vice-chair of this committee. Since Mr. Maloney is unable to attend, I'll be starting the meeting. Hopefully, Mr. Barlow will appear soon and he can take over after that. If not, I will later pass it over to Mr. Harvey so that we can continue. We want to get going on this. We have votes coming up later and we have four witnesses, so I think we should start promptly.
Perhaps, we can start with you, Mr. Binder, and we'll work across the table.
Please proceed.