Thank you, Chair, and thank you to the witnesses.
It's incredibly valuable for us to have the senior executives from our major banks at the table all at the same time. I don't remember that happening in a committee in the last eight and a half years, so thank you for taking the time to discuss this important issue.
Mr. McKay, I know you've had a lot of questions, but I want to drill down a little in terms of the sustainable financing, the sustainability-linked loans and bonds, the SLLs and SLBs, to the oil and gas companies that RBC is employing. How do those funds work, and how are you measuring success toward net zero using those funds?