Thank you, Chair, and committee members.
We're pleased to present to the panel again this year. Last year I remember being cut off by the panel, so I'll try to be much quicker this year. Our presentation will be by our board chair, Debra Taylor.
I'll open by saying that we didn't include broad statements in our submission to you in August. We included unique statements looking at ways government programs could change that would benefit business, consumers, and the government.
Debra will start off.