Great, thank you.
Thanks again to all of our witnesses for some wonderful testimony. There's lots to think about.
The three of you have provided some excellent additional insights, things that I'm mulling over, but I'm going to start by taking a step back. Part of it's triggered by a discussion from one of our panels yesterday about “is this the right time for change?” I'd like to pose that question to the three of you. We're not in a crisis situation right now. The comment was made that the crowd's not marching and protesting by torchlight. Do we need to wait for that kind of crisis in our system to do it or are we at the right time? I've heard some general support for continuing our discussion.
Mr. Fox, I think it goes to comments that you made about whether change is needed now.