Thank you. I actually don't have a lot of questions, but I have one in particular that I don't think has been touched on today.
First of all, congratulations on your appointment, and I look forward to working with you in the future.
If I'm reading it right, you had a fair amount of work overseas in terms of some experiences around the world with financial markets and finances. I don't know if you're in a position to tell us, but I wouldn't mind your opinion if you can give it to us. We have a fragmented financial market system here in this country. Would you say that you heard anything about that in your work overseas? Did it cause any difficulties or anything that you could share with us? That would be my first part of the question.
Second, do you see anything that could enhance our competitiveness as a financial market compared to what you've seen around the world?