Thank you.
First, to Mr. Chambers, I have a question with regard to your organization.
We've talked about improving the regulatory process and bringing that up to the 21st century. When I say the term “modernizing regulations”, what does that say to you, and as an organization, what would you say back as part of those regulations that you'd like to see modernized?
I know it's a big question, but perhaps you could answer that.