Thank you very much, Mr. Chair.
I want to thank all the witnesses. I have five minutes, so I'm going to try to ask as many questions as possible.
Mr. Chisick, at the opening of your statement, you said that you agreed with the views from many of the witnesses who came ahead of us. In your opinion, what didn't you agree with, as we look to consider some of the recommendations that we are going to put forward?