Thank you very much, Mr. Chairman.
Thanks to the witnesses for joining us today.
Let me start with Mr. Littler. You talked about the idea of a provision, so that a customer could indicate to one of your members in the retail sector that they were basically waiving their rights on an issue that had arrived, that you would notify them that there had been an issue and they would say it was not a problem. What kind of disclosure do you think there would have to be in that case? What should satisfy us in terms of the idea that the person has been really properly informed of what the dangers conceivably could be? We can't just assume that the business is going to do this or do that for the person.