Thank you, Chair.
Good afternoon to our witnesses.
Mr. Giorno, I want to begin by asking about some of your recommendations in the CBA presentation. Recommendations eight, nine, and ten all go contrary to the commissioner's recommendations. You've added a good deal more people, and I understand that you talk about common folks and some of the different nuances of people who have access.
I wonder if you could address those three items. I'm most specifically interested in boards, appointments to boards, and where you see the vulnerability, I guess, to the act.