Thank you very much for your generosity, Ms. Dandurand. Our guests have to listen to the interpretation to understand me, which leaves me less time to ask my questions.
Mr. Elcock, you often refer to your brief. You may not be in the habit of testifying before parliamentary committees, but since you didn't submit your brief in both official languages, no one around the table was able to read it before your appearance. However, I believe you have the means to prepare a brief in both official languages. That would have allowed us to delve deeper into your testimony and further explore the amendments you are proposing. That was just a little piece of advice.
Could you tell us the big difference between the current regime and the one proposed in Bill C‑12? What would the bill change day to day for banks? If it gets passed, would the Quebeckers and Canadians who frequent your establishments be better protected?