Thank you for that.
Mr. Holmes, I just want to ask you a couple of questions in this first round.
I used to be on the board of directors of our little local chamber of commerce. We have lots of small businesses. In the summers, business goes up. We came through the brutality of COVID and lost so much, but the summer after COVID, things were great. This past summer people didn't come, and I was trying to figure out why it was. Then someone said that it's the smoke and the fires, so people are afraid to travel.
I just read the KPMG report that says 60% of small businesses were “directly impacted”. A good percentage had disruptions to their supply chain. A staggering number talked about damage to their properties and the uncertainty.
Have you looked at what the climate crisis that we're facing is costing small and medium-sized businesses?