Environment committee  Thank you. We really appreciate those opening comments. I should mention that we're using the same card system as before: the first card will show there is one minute left and that you should wrap it up without cutting off in mid-sentence. For the first six-minute round, I hav

Environment committee  Great. Thank you. Now, Mr. Stewart, we will go over to you for your 10-minute opening statement from the Insurance Bureau of Canada. Thank you.

Environment committee  Our translators are having an issue with keeping up, so could you slow down just a little bit? We want to make sure everybody gets the full benefit of what you're saying in both languages. Back to you.

Environment committee  Excellent. That's very interesting, and we look forward to some good discussions on your product. Let's go to Calian Ltd. next for their opening statements. I'll turn it over to you for 10 minutes.

Environment committee  Thank you to our next panel for being here for this discussion today. From Calian Ltd., we Richard Moreau and Adrienne Ethier, and from FireRein, Quincy Emmons and William Stewart. We also have the Insurance Bureau of Canada, with Craig Stewart. Welcome to all of you. I believ

Environment committee  Thank you. I'd like to thank our three witnesses for being here today. We realize there is so much more time we could have spent on this, but as we are nearing the end of the session, we wanted to dedicate today to an issue that has been very important to Canadians—we're hearing

Environment committee  Thank you.

Environment committee  I think there's time for a three-minute round, Mr. Fast, if you want to take that, and then we'll suspend the session and reset and get the next group going.

Environment committee  That takes you to the end of your minute. The next members we're going to are Mr. Fisher and Mr. Amos, who are splitting their time. I'm going to give them, at the end of two minutes, the card and at the end of the first three minutes the red card and then it can go to the next

Environment committee  Over to you.

Environment committee  You have a minute left.

Environment committee  Okay, thank you. Mr. Stetski, you're next for six minutes.

Environment committee  A very brief response. We're at the end of the six minutes.

Environment committee  We're going next to Monsieur Godin.

Environment committee  Excellent. Thank you to all three of you for those very thoughtful and thought-provoking opening comments. I look forward to some great conversation. I want to welcome Mr. Shipley to our committee. It's good to see you back here.