Thank you.
Thank you, Ms. Ogilvie, for being here today.
I think there's no question that our military families are facing unique and intense challenges. I have a number of questions, and we'll try to get through them as expeditiously as we can.
Have you been hearing from CAF members about the government's PLD, CFHD and PPLD changes to the housing benefit with regard to the post-living differential, etc.? How have these affected members—both those starting off in their careers and those in the middle to later stages of their careers?