Okay. That concludes this portion of the panel.
I want to thank the panel members for coming in and bringing their presentations with them. We really appreciate the work you've put into them. Certainly this is going to go a long way in our report.
We're going to break now for about 10 minutes. At the top of the hour, at four o'clock, we will have the witnesses we agreed upon earlier this morning. We're suspended until four o'clock.