I'm going to take a minute, because I think we do pretty decently, but then there's this giving the question and giving the answer.
I think we invited someone here today who comes with a really serious role, at least for me, so Ms. Thomas, your time and your being here means a lot to me and, I think, to most members.
I would say that, when we ask a question and we say we're going to give them time to answer, then we give them time to answer; we don't provide them the answer.
From the best I know, Mr. Cooper, you are not in the role that Ms. Thomas occupies, and she is here today to provide us the insights we have asked for.