Thank you, Mr. Chair.
Good morning, gentlemen, and welcome. Each one of you talked about what we are currently experiencing: this economic crisis is perhaps the most severe we have ever experienced. Today, there are various tools at our disposal that were not available in the past. Relatively speaking, the current crisis is an extremely significant one.
People working within your respective organizations are constantly on the lookout and monitoring events. Did you see the crisis coming? If so, since when?