Thank you, Mr. Khan.
We'll now proceed to questioning. As I mentioned at the outset, with five witnesses and witness groups here today, I think we're going to have to be fairly firm with our timing of questions. We have allocated to each member in the first round seven minutes for questions and answers. I would begin by asking members to try to keep your questions brief. You can direct them to a specific witness or to all the witnesses. If a question is directed to all the witnesses, obviously, I would have to ask you to keep your answers brief.
We're going to begin our questioning today with Mr. Maloney.