Thank you very much.
Once again, welcome to all the witnesses. I'm glad you could participate.
I'm going to start by asking Cedric MacLeod a question, and I think I'll ask Mr. Burrows the same question.
Both of you mentioned proactive risk management, or proactively managing risk. Can you elaborate on that? You could probably bring in a bit about how AgriStability could be improved in this new suite of programs in order to address this issue.