Thanks very much, Mr. Bains.
Colleagues, that's the time we have for the first hour.
Witnesses, thank you very much for availing yourselves of the time to be here today, and for providing some further guidance and insight to us.
Colleagues, we're running a bit over time, and I have to suspend to allow us to turn the panel over. We might have to clip a bit off the very tail end of the final round in our second hour.
I'm going to suspend, and we'll come back to things right away.