1 Toronto, Ontario

2 --- Upon resuming on Tuesday, October 28, 2014 

3 at 9:03 a.m. 

4 THE CHAIR: On the record. Good 

5 morning to everyone. I hope everyone is fine and 

6 we are all ready to start day 3 of this hearing. 

7 Mrs. Lo, good morning. 

8 THE WITNESS: Good morning.  

9 THE CHAIR: For the record, can 

10 you please confirm to us that you are Susan Lo.