I would like to welcome our second panel of witnesses.
In person, we have Eric Smith, senior vice-president, and Robert Ghiz, president and chief executive officer, Canadian Telecommunications Association. By video conference, we have Angelina Mason, general counsel and senior vice-president, legal and risk, and Charles Docherty, assistant general counsel and vice-president, legal and risk, Canadian Bankers Association. As an individual, we have Andrew Clement, professor emeritus, faculty of information, University of Toronto.
Up to five minutes will be given for opening remarks, after which we will proceed with rounds of questions.
We will start with you, Mr. Ghiz.