Thank you.
Mr. Lee, I appreciated your experience in commercial lending. I have lots of experience in the mortgage industry myself. Yes, a loan application that contains no stated purpose is generally just utterly rejected. I understand that the borrowing limit.... They've tried to make the argument that the borrowing limit is not the same as actually borrowing the money, or even applying to borrow the money, but yet that is what it is under law. The debt ceiling is set under law, and there's an application right now to increase that.
Would you care to comment further on that or on either of the other points? Perhaps you would like to expand on the justification for a non-budget and fiscal anchors.