Understood, and that's why I would like to make sure that we have an opportunity for the witnesses to share their testimony with us. If there is something that they would like to discuss with the committee, the time will be theirs to do that. I would ask members that we allow them that opportunity and save matters of this type for committee business, which we do have time for at the end of the day. So I will ask that to be done.
We will move to our panel now. We do have three individuals here. Our first individual will be Denyse Guy from the Canadian Co-operative Association. Then we'll have the Canadian Bankers Association, and Credit Union Central of Canada.
We do have two individuals who we expect at some point. Mr. Laframboise will join us as well, but we do currently have Mr. Fitzpatrick. I will allow each organization ten minutes for their opening remarks, and then we'll move to questioning.
I will call first upon Ms. Guy.