Thank you.
Thank you, both, for being here.
Mr. Hatch, I'll put the question to you to perhaps give you an opportunity to further some of the comments you made. I'll refer to the House committee meeting last March. The organization said:
The government also granted a significant level of discretion to financial institutions regarding whose accounts to freeze. This further contributed to confusion and to possibly an uneven application of the financial components of the measures. Many would have appreciated further guidance from the government on precisely which accounts would be frozen.
Could you expand on that a little to help us understand where the confusion was and how you would recommend that be addressed?