Thank you.
Thank you all for being with us today. This is a hot topic that you talk about regularly. It's important to have the opportunity to take a broad look at these programs and hear your recommendations.
I'll start with Mr. Beauvais.
In your opening remarks, you said that business transfers should be integrated into the business risk management programs. You gave an example about funding. Do you think that should be part of the business risk management framework, or do you have other ideas in mind to integrate the next generation into the business risk management programs?