Thank you, Mr. Chairman.
Ms. Emory, I'd like to comment and maybe ask for clarification on your three recommendations. Your first one was that people who make applications and who have not done very well because of the actions of consultants shouldn't be penalized. The problem I would have with that is it's like someone who goes to court and their lawyer messes up and doesn't do a very good job. The client has the right to sue the lawyer, to report to the law society. But that doesn't mean that's the end of the case. The case has been heard by a judge. If the mistake was made by the consultant, that's the process. I just don't follow your idea of saying, “Well, what a wonderful way. It's like with a lawyer. If you have a bad lawyer, you're going to win your case.”