I apologize for having food here with me. I'm sure there will be some left when the meeting is over.
Again, I welcome our witnesses for the third hour here this afternoon. I must say that we have you jammed in pretty tight. I apologize for that, but you are all very, very important to this committee.
I'm going to allow you 10 minutes each for your presentations. We'll see how much time we have for questions afterwards. But I would say to any of our committee members that if there are questions for any of the groups we have here, they can be made afterwards to me, and I can make sure that our presenters get them.
We're jammed in so tight because so many people wanted to make presentations, and we only had so many weeks to do this. So again, my apologies.
Yes?