We'll be flexible, so we'll go to five minutes each. If you need more for concluding remarks we'll let you go over that. Then we'll go seven minutes apiece. Ms. Chow will be here as well. They'll direct their questions to whoever they choose, or maybe to all of you.
We'll proceed with Judit, the research director for Lone Mothers: Building Social Inclusion. She is splitting her time with Elita McAdam, research assistant.
Take it away.