Thank you very much, Chair.
Thank you, witnesses, for coming today.
I do want to pursue this with Mr. Tonkovich and Mr. Eljarrat, and talk a bit about the integrity of the tax system, which you two are experts on. Nobody is disagreeing with the fact that, in principle, what you're saying may be correct. Are you saying that at 15%, people are going to be a little less risk averse to exposing themselves to that kind of a scenario? Is that correct?