Thank you, and welcome to our guests, especially Mr. Ralston.
I've got quite a number of questions, so just giving really short answers is fine.
I do want to ask about the shift in our position, because in 2007-08 we posted a surplus, as we know, of $9.6 billion. Then there was a $15.4 billion shift and now we find ourselves in a $5.8 billion deficit. Does that concern you? What factors led to that, because that was sort of pre-recessionary planning?