Thank you, Madam Chair.
Thank you to all of you witnesses for coming. It's nice to see so many of you returning. We like you too, so come back again sometime.
Certainly there are a number of questions with regard to standards, and so if you'll allow me, I want to ask some questions with regard to standards. With regard to model 3 and model 4, in model 3 it's a double voting system, a situation where the government would determine how fast something would be amortized, obviously within guidelines--generally accepted accounting principles--or the government could simply say, with historical references, that certain things last a certain length of time and then we'll amortize it over that many years.
The federal government has the luxury of looking at past data and assessing it that way. Now, could you make a recommendation? Would it be wiser for us to look at historical data to assess and set in place our amortization duration?