Thank you, Chair. That's a nice tie today that you are wearing, Chair, I must say. You're looking really dapper. It's nice to see.
I'm curious. Of course, it's taxpayers' money, and you guys are spending and responsible for a lot of it. I know you take that very seriously. I'm curious what you've been able to accomplish working with third parties to manage risk. When you're looking at doing different loans into high-risk sectors or new sectors, what is your process in bringing in third parties—the private sector, pension plans, stuff like that—to help spread off that risk for taxpayers?
Is there anything being done to spread that risk off into the private sector, or are you solely mandated to just do things on your own?