Right on your five minutes, Kelly. Thank you very much.
That concludes our first round.
If I might take the liberty of one observation and one brief question, it seems the PricewaterhouseCoopers report could be wildly optimistic in its saving, and it could be wildly inaccurate in its cost projections. The only thing we know with any certainty is that massive IT projects like this are never on time and never on budget. Usually the costs explode.
Why do you think this outside group's analysis of our internal IT is accurate? How can you trust it?
I also worry about the contracting out of the work. Are we not going to be contracting out the expertise and the knowledge of the reworking? Isn't that a concern—from a security point of view and an ongoing maintenance point of view—that we may not have the internal expertise left once all this work is done?