Thank you, Ms. Jackson.
Just for clarification for members around the table, you are supposed to have four decks in front of you. If you don't have four decks, then just let us know and we'll make sure you get them.
Mr. Regan has about 12 decks there, I see. All the spare copies are with Mr. Regan.
We'll start with our first round of questioning, seven minutes each.
Mr. Regan, you're going to start off for us.