First, I want to apologize to our witnesses. We obviously had some testimony that we needed to listen to in the previous witnesses. So my apologies to each of the four of you. I know you are here under the same regard and have made the same time commitment to give to us.
I would suggest, if the witnesses would agree, that we not have introductory comments but just go directly to questions. That would give us a little bit more time to be able to interact with our witnesses. If they do have presentations, we could accept them as submitted to the clerk. They could be distributed through to us.