Thank you, Mr. Chair.
One of the key planks or pillars to the blue ribbon panel's recommendations, and that which was accepted by the government, was a duty to consult with clients on any potential changes before such changes occurred.
May I ask you, Mr. Ferguson or Mr. Barrett, to verify what I just said, to indicate what you found in that regard, if indeed what I just said is accurate? Then maybe we'll have a follow-up from Mr. Scrimger.