Again, I want to thank all you guys for coming here. You did a great job.
When we look forward, do you have one suggestion you'd give this committee?
We've talked about a lot of things. Cammie, you had five different things that you wanted to highlight. Is there anything we can sum up from this? Is there anything we can take back that, first of all, is a hurdle; and second of all, would be a solution?
You said income, so maybe I'll leave you, Peter, if you don't mind, and just concentrate on the young people here.
Cammie, you can start off, if you like; and we'll finish off with you, Curtis, if that's okay.