We'll resume with our witnesses.
Obviously, our apologies for delaying you. However, we didn't have much choice. We had to be in the House for two votes.
In light of that, and because our scheduled time is 7:30 for adjournment and we have four different presenters, I believe, I would ask each one of you to try to be as concise as you can. Then I would ask all of the committee members to be as concise as you can in your questioning, so we can get the most answers in and try to keep it on track.
We have First National Financial, Mr. Smith.
Please go ahead.