Thank you, Deb.
We will now turn to our formal session. If people can hold it relatively close to five minutes, we'll have more time for questions.
Just so you know, sometimes we get asked afterwards why people are on their iPads while we're doing the meetings. All the submissions, 524 of them, to be exact, are on the iPads. Members will be looking back at the original submissions.
First, we have Mike Durant, as an individual.
Welcome, Mike.