Thank you, Madam Chair.
Good morning, ladies and gentlemen. Thank you all for being here. Our speaking time is a bit limited, so I might not have time to speak with everyone, but I'll do my best.
Professor Laurin, you talked about a concept known in English as orgware, and I find that quite interesting, especially since, as you said, a lot of SMEs tend to overestimate risk.
How could we organize this in practice? Who would set it up? How could this concept be operationalized?