Because there are quite a few members who are virtual, I'm going to ask you to please put your virtual hand up, so I can properly recognize you. If I don't recognize you, I'll get help from the table here if I don't see you. I'll do my best to do that, but please don't speak...because there are several of you speaking at the same time. That's so I can visually be able to monitor both those who are virtual as well as those who are in the room in person.
Mr. Maloney, I see you have your virtual hand up.
Please go ahead.