Thank you, Chair.
I'm going to bounce around a little bit too. Forgive me for this, but under “Definitions” and dealing with customers and the public, it says a “business day does not include a Saturday or a holiday” but a lot of banks are open on Saturdays. Their branches are open and operating. Can you explain to me the logic of not calling a Saturday a business day when, for the banks, it often is a business day?