Thank you, Chair.
My question is to the witnesses through you.
First of all, I'd like to thank the witnesses for coming today. I'd also like to thank Mr. Adams for joining us by video conference.
I'm going to have a few questions, but I want to start with the Desjardins Group. In terms of the umbrella group, how does that play right across the country? What regulations are you faced with from province to province? Then thirdly, what federal regulations are helping you to move from province to province and to have these organizations as part of the umbrella?