Thank you very much.
Thanks to all of you for being here.
In terms of the declines, I'm assuming that you have a copy of the chart that the Library of Parliament provided in terms of your rates of return. I'm sure you know them. For example, you mentioned that 2015 was one of your best years at 18.7%, and 2016 is looking at, you said, 3.9%, but here we have 3.7%. I'm assuming it's just that not all the final facts and figures are in for the year.
Is it the case that the significant decline is related to the oil and gas sector in investments, in commodity prices, or is it something else?