I'd like to call this meeting back to order. It's our second panel.
While the panel is getting set up, I will let just let you know, as I'm sure members are aware, that the bells will start ringing at five o'clock. Our tradition during this study is to continue to sit through the bells.
My goal is that each group will get 10 minutes. We'll get through that and then we'll have to break to go and vote. It will take about eight or nine minutes to actually vote and get back here. Then we'll do one round of questions, as we have done with every panel.
If everybody is ready, our first panellist is Ms. Christine Russell, appearing as an individual.
Are you ready to go, Ms. Russell?