Thank you very much, Chair.
Thank you to our witnesses for being here today. They were very good presentations.
I'd like to start with Minister Taptuna and Minister Miltenberger.
Minister Taptuna, you talked in your presentation about how to date you've been generally satisfied with the work and professionalism of the resident regulatory agencies and related bodies. When you say generally, what have been maybe one or two good things you've seen, and maybe a couple of areas that you see as opportunities for improvement?
Specifically, you talked a little about the human financial services that would be needed to build capacity as you go forward. Are there other things you're concerned about with respect to the review board going forward?