Great, thank you.
I'd like to thank our witnesses for being here this evening, and the members of the audience who have joined us. I look forward to your comments once we wrap up this panel.
I'm going to start with Ms. Keenan. We talk about referenda a lot in this committee. I have not taken a position nor has our government but when somebody comes up with a strong position either for or against it's always interesting to explore it. In your case you left me hanging a bit on it being a terrible idea. Why do you think that? I have to go there.