Thank you, Ms. Dhillon.
We have a problem. I'm going to ask the committee to help me on this. We have another panel at 4:30. We also should have left a while ago to vote. We have to be up at the House probably in about 10 or 15 minutes. I'm going to suggest to the committee that we excuse Professor Spitzer and excuse Ms. Dhillon and that Ms. Siddiqui and Mr. Gora appear for the second panel. We just don't have the time.
Mr. Menegakis.