Thank you, Chair.
It's good to see you again, sir, and likewise Mr. Askari.
I notice that you've picked up a great new employee. Mark was with us on the finance committee.
It's good to see you as well, Mark.
Help me out. You have to dumb this down for me. If I go to page 3, what you're saying is that the total out-of-pocket is $4.7 billion. I guess I should be directing this to Ms. Malanik.