Thank you, Mr. Chair.
I'm going to start my questions with Mr. Richard Kurland. Mr. Kurland, welcome.
Welcome, Mr. Edelmann, and Ms. Thomson. Thank you for appearing before us today.
Mr. Kurland, some witnesses have referred to our current system as a path to bankruptcy—in fact, one said with extra allowance for a specials diet. In what ways would you agree or disagree with that comment?