Thanks, Chair.
I have a couple of questions.
We received a memo from Ms. Stoddart just in regard to the.... I don't know if you have had a chance to look at it. There were some recommendations, four recommendations, that she makes in the report, but I have a couple of questions regarding it.
One of the concerns she lists—and I appreciate and understand that you have met with her and her colleagues, officials from the commission, to review how we would move forward on this—is the lack of transparency and the degree to which details of the program are deferred to regulation.
I wonder if you could just clarify or comment on that.