With that, we are slightly over time. I know that everybody had their hand up, but to make sure we get to all the panellists, we're going to have to keep moving.
As I said, if there are thoughts that you would like to offer afterward, you are invited to submit a brief. As well, there may be other members here who pick up this train of thinking, or you can work your thoughts into answers to the next questions.
I did miss that Mr. Kelloway is a guest here today. I just wanted to say hello.
We're now going to go to Mr. Maloney for his six minutes.