I'll call the meeting back to order.
We have with us this afternoon, for our first panel, from the Co-operative Housing Federation of Canada, Nicholas Gazzard, and from The Co-operators Group, Frank Lowery.
We also have, joining us by video conference, from the Ontario Mutual Insurance Association, John Taylor.
There was a bit of discussion as to who was going to go first. Which one of you will go first?
Mr. Gazzard, from the Co-operative Housing Federation of Canada, we will turn the floor over to you for 10 minutes for opening remarks.