Thank you, Mr. Bowe.
We will now turn to my colleagues here for some questions. We'll begin with Mrs. Stubbs to lead off.
Colleagues, again I want to ensure that we have flexibility with the time so that everybody can get some questions in. Take the time that you need, but if you don't take the full time, we'll move on to the next questioner.
Mrs. Stubbs, we'll turn to you.