I should have mentioned earlier, simply because of the time, that we have four questions and answers and a discussion. The normal nature of the committee is that we have witnesses appear and they respond to the questions of our members.
I just wanted to make it clear that's not necessarily the case today. It's a way of stimulating conversation, but I don't wish you to feel in any way obligated to answer questions you don't care to answer, or if there's not enough time to answer all of the questions, you can just pick the ones you want to answer.