Excuse me here, Ms. Taylor Roy.
Mr. Terrazzano, it is the member's time. I will certainly allow her to ask a question. There is some natural jostling back and forth, but if the member would like to go down a different line of questioning after you've had an adequate chance to respond, I have to let her do that. We will try to make sure we institute that accordingly.
Ms. Taylor Roy, I'm going to turn it back to you.