Thank you very much, Chair.
I have a quick comment to Mr. Everson and the Chamber of Commerce. As a past member of a chamber of commerce, I can tell you that if seniors and retirees don't have enough money, your membership is going to suffer, and so will all those communities and small businesses that count on people having money to get by daily. I can understand why you're here and I understand your concern, so thanks for that.
Mr. Allen, you made some interesting comments about bonds. I'm not sure I agree, but I wonder if Mr. Harden could make a couple of quick comments about Mr. Allen's comments.