Okay. I think I've heard the views on this.
In somewhat of a compromise, I suppose, if we move through it quickly, we'll open it up for rounds of questions, but I'm settled that it's more productive to go with an overview and then go through it clause by clause. If you wish to hold your questions until later, you can do that.
That's the way I'll proceed. I so order. Unless I hear anything further, we'll have the officials make their presentations.
Go ahead.