Thank you, all of you, for joining us.
We have a number of committee members around the table. Our format is that each of you will be given up to 10 minutes to do a presentation, and then after all three of you complete your presentations, we'll open the table to questions.
I may have to cut you off if we're getting short of time or you're getting close to your time or go over it, so I'll apologize in advance.
Why don't we start with Ms. Retter?