I'm sorry for interrupting, Mr. Lloyd. Your time is up.
Before we go to our next member, I want to clarify and let everyone know that when asking a question you should allow the other person to respond. If you speak over them, it becomes very difficult for the interpreters to interpret. Please allow the person to respond to your question and then speak. That is requested of all members.
Now we will proceed to Ms. Saks.
Ms. Saks, you will have five minutes for your round of questioning. Please begin.