Okay.
For the benefit of our witnesses, if I hold this yellow pad up, that means you have one minute remaining for your remarks. In addition to that, if I hold it up when you're answering questions, that means please try to wrap it up as soon as possible.
Since Mr. Shariff is here, we will start off with him, and then Mr. Singh, Dr. Daud and Mr. Khan.
Mr. Shariff, the floor is yours. You have five minutes for your remarks.