Thank you, Mr. Chair.
I would like to talk a little bit about the keystone markup, which most retailers have on their goods. In fact the keystone markup is such—and correct me if I'm wrong, Ms. Proud—that it's a 100% markup on any goods that cost them. Most books and most professionals suggest that if you don't have a keystone markup, you can't stay in business for a long period of time. It's a full 100% markup for retailer to sale. Is that fair to say? Are you familiar with the keystone markup?