Before I get too far down the path of questions, in your presentation that was distributed to members you had a list of key specific changes. I was just wondering, instead of taking the limited time we have right now, if you could provide an explanation to the members by submitting it to the chair, just unpacking what your specific changes would accomplish and why. I could take a lot of time doing that right now, but I think it's time better spent using it for questions.
In addition, on page 9 of your report, under the category of “Myth Busting”, you make the statement that current pension rules discourage workplace plans and frustrate existing employer-employee pension plans. How so? What current rules are the cause of the frustration?