Thank you very much.
Thank you, Madam O'Brien and Monsieur Vickers, for being here.
I'll try to leave almost all the time for your commentary on this, because it's a bit of a Groundhog Day experience, since we're going through this again.
Mr. Vickers, perhaps you could start off by telling us what happened, in your opinion, on March 2, and why it occurred. More importantly, do you have any opinions on what we might be able to do to try to prevent this kind of situation from occurring again?