Perfect.
I would like to thank the three witnesses today for their testimony.
It is great to have the pairing here. Ms. Stark, you touched on the CCF and how important it was for universal health care. Then we have a cooperative here talking about their work in cooperative health care in Saskatchewan right now.
I would like to start with you, Ms. Stark. Given the social and democratic mandates of cooperatives, could you talk about the importance of credit unions and how they are different from regular financial institutions?