Thank you very much, Mr. Chair.
I'd like to begin with Mr. Hannah.
I want to be sure I understood what you said in response to a question from my colleague, Mr. Rankin. If someone the U.S. believes to be an American says that they are not, that is the end of it. Is that what you said? It’s a process of self-identification. If the person says they're not American, the financial institutions do not move forward with the process. Is that correct?