Is he in the room? I have him down as appearing by video conference. I'm sorry. Thank you very much.
Each of the three witnesses will have five minutes to present. I will yell at 30 seconds for you to know that you have to wind up. Then, there will be a question and answer period. We will get into that a little bit later.
I'm going to begin with Ms. Gardner.
Ms. Gardner, you have five minutes.