I appreciate all our witnesses' testimony.
Dr. Mintz, I'm going to start with you. By the way, I used to be a small business owner and worked very hard in the B.C. Chamber of Commerce movement, so I've met a lot of small business owners who, whether they be professionals, in the retail sector, or whatnot, are extremely hard-working people.
You mentioned that increases at the upper tax rates, coupled with the cessation of the preferential small business reduction, equates to an increase in taxes on small business owners. Could you please elaborate a bit on that?