We'll call to order again. Thank you very much for coming, especially at this hour.
We're very pleased this evening that we have with us three separate groups. We have the Canadian Bankers Association, and that is Marina Mandal, the assistant general counsel of the legal branch. From FETCO, we have Derrick Hynes, the executive director, and Elizabeth Cameron, the vice-chair. On video conference, we have from Saskatoon, from Vancity Credit Union, Catherine Ludgate, manager of community investment. Thank you very much for being here.
We will give each of you seven minutes because there are so many panellists, and we will start with Marina from the Canadian Bankers Association.