Thank you, Chair.
Welcome to all of our guests today.
To start with, I want to focus on the internal audit. Going back to 2004 and then fast-forwarding to where we are today, there's a dramatic difference, obviously. It goes without saying that it's basically a glowing report, relatively speaking, in comparison to what we've had.
Of course, I think we should never be content. We should always be looking for a little bit better: the day we stop searching for improvements, that's the day we're going to be slipping backwards.
What I would like to know was framed in the question to Mr. Wiersema, but I'm going to take it to Mr. Ralston now. It's a similar question. Though we've had some phenomenal successes, there are still challenges. What challenges remain, in your mind, for the internal audit function and community in general?