Thank you.
Mr. Phillips, you mentioned, and your report certainly lays out, a number of things that you were impressed by in terms of broad support for the bill and for the amendments to the act; you're supportive of them. It did mention there were a couple of things that you would like to address. You mentioned that you may not say them during your speaking time, but you piqued my interest. I wondered if there were one or two you could point out that you think we should be paying attention to from a Bank Act perspective.