Thank you very much, Mr. Chair.
I want to thank all the witnesses for being here today.
Since I have just four minutes, my questions will be for two witnesses only.
I will begin with you, Ms. Iafolla. Thank you very much for your presentation.
I was particularly taken when you said that, based on your research, people in financial industries who are trying to provide information do find the guidance subjective or cryptic, and that not only should there be some clarity on that front, but also some opportunity to have feedback.
Can you give us a little bit more on that? This is bringing something new to the table, so I'd like to do that, but please be brief because I'd also like to make sure I can ask another question after that.