Thank you very much.
I would again encourage the other panellists, if you can, to please try to keep it in the five-minute time frame, just so we have enough time in this session to get all questions in from our committee.
It's been our experience that everyone likes to try to pack their opening statements full of information, but we've found that we elicit more information through the question-and-answer process, and you'll certainly have ample opportunity during that process to expand upon any thoughts that you may not have gotten to in your opening statement.
Having said that, Mr. Keefe, you're up for five minutes or less, please.