Thank you, Madam Chair. I think I should be given the opportunity to respond to the allegation that I wasn't present at the meetings and that I don't read my paperwork. I did read the paperwork but I didn't agree with it. I was at the meeting and I didn't agree with what Mr. Grossman said. Mr. Grossman doesn't have to come up from wherever he came from to tell me about mortgages and doing loans; I did it for three and a half years. I did speak to
the manager and so did he. Maybe we'll agree to disagree. I'm glad, again, for the record, that Mr. Todd is getting the opportunity to explain his MIC, although I don't agree with it. If it's a great thing, then I'll be the first one to go up and give him copies of anything he wants. Thank you, Madam Chair.