Thank you, Mr. Chair.
Thank you to all the witnesses for giving us your side of the story on how we can improve our system.
My first question is for Mr. Imad. Am I allowed to call you Mr. Imad?
Over and over and over, if I hear you correctly, you're saying we are paying money to the wrong agencies. They're not helping hands. They're not doing what they're supposed to do. If I hear you correctly, you're saying those agencies are getting paid by the government and by the taxpayer, but they're not doing what they're supposed to do. Am I correct? Is that what I'm hearing from you?