Thank you, Mr. Chair.
My first question is for you, Mr. Ralston. If you can come here this morning, throw out the figure of $300 million and tell us that this is a one-time cost, and not annual fees, can you tell me then why you are not able to tell us what the cost would be if you were to use your new measures and policies? You've given us a figure today, one that you appear to be comfortable with. I'd like to know why, if you've quoted one figure, you cannot boldly tell us what the cost would be if you were to use your new policies.
Can you briefly explain this to me, sir?