Thanks very much.
I find it interesting; I think you've all thanked us for inviting you to make a presentation, but on behalf of the committee, I want to say thank you for coming and for telling us your story, your experiences, in this crisis. Few of us have had any experiences at all like yours. We appreciate your input. It's not falling on deaf ears.
We'll start our seven-minute round of questions with Mr. Ayoub.