Of course. Thank you, Mr. Chair. I was almost wrapping it up anyway.
Again, we are seeing and hearing some of this confusion out there.
The last point I'd like to make is around consistency. Regardless of where you sit in the country or your size, what we're hearing from industry is that they are asking for a consistent approach from the regulators when it comes to enforcement.
Thank you for the invitation to speak. I look forward to any questions you have.