We are offering a welcome to all of our guests this morning, our witnesses. Thank you for being here; we appreciate you taking the time. Thank you also for your briefs, which you submitted earlier.
We will keep you to five minutes on your presentations to allow for exchange with the committee members. I'll give you a visual indication when you have a minute remaining or less and then I will cut you off at the five-minute mark as politely as I possibly can.
We will start immediately with the presentation from the National Council of Welfare, John Murphy, chair. Welcome, and proceed.