Thank you, Mr. Blaney.
Good morning.
Thank you for being here today. I would also like to thank you for conducting the survey. Congratulations. You have provided us with a recent snapshot of the situation, which gives us even more latitude. Again, congratulations.
You said that 72% of organizations have to take out a loan or a line of credit, which forces them to pay interest. Further, you also said that if people were late in providing a report on a project, they might be subject to penalties.
I have the impression that, in some situations, the project is more expensive than whatever funding may have been received. Would you agree with that?