Sure. Absolutely. Then we can have a debate. I think that's the best way to go about it.
Professors Marsh and Gallagher, this is really a first for our committee in the context of this study. We're looking at the international experience, and we're very pleased that you were able to make time at the end of July. It's summer over there, as it is here. We're really grateful that you're here today to share with us your insights, your experience, and your wisdom on the issue.
Without further ado, I believe Professor Gallagher will be speaking first. Go ahead, please. We have 20 minutes, and then we will have our two rounds of questioning.