Thank you, Mr. Chairman.
I am not, have never been, and will never be the chief economist for the Royal Bank, but I'll do my best, and in five minutes or less it will all be over.
I'm going to apologize off the top, Captain Patterson. You mentioned in your opening remarks about being screened out due to risk assessment. I realize you've already answered a question on it, but I'm still not clear. When you answered the question about being screened out due to risk assessment, I think what I heard is that it isn't in relation to the CICP program but to something else?