Thank you, Mr. Chairperson, and thanks to all of you for all your presentations.
Going very quickly, starting with Jill and John, you've presented a very innovative proposal for modernizing the income security system. I think it would be important for you to tell this committee who you brought together to arrive at this proposal, how you involved business in the development of the proposal, and why business as well as community organizations think it's a cost-effective way to go.