Thank you, Mr. Chair.
I want to thank our witnesses for joining us this morning.
Since we have only five minutes, my first question is for Mr. Brun. You said that Desjardins Group was extremely safe. I believe that is thanks to the reserve fund. In fact, year after year, the caisses have built it up and it has gone from 2% to 3%.
Could you tell us about that reserve fund, which every caisse has set up to safeguard its financial security? The results have been quite positive, as you mentioned in your opening statement.