Good. Thank you.
Mr. Ralston, in your statement, you talked about the two areas in which you've adopted new standards in accounting with regard to transfer payments. I wonder if you could explain that.
In particular, the second one caught my eye. You said, “The main impact for the government was to stop recognizing advance payments as non-financial assets and to recognize them instead as expenses. The impact of these changes on the financial results was an increase in expense of $500 million.”
I wonder if you could just explain that accounting change for me. As a non-accountant but a business person, for me $500 million is a lot of money, and it transitions into greater expense for the government in the past year. Is it significant or not?