Thanks very much, Chair.
By the way, I'm using a different system, but I've just gone through a sound check with this. I hope it's sufficient for the interpreters. I was told it was better, so we'll see.
I want to start with you, Mr. Forbes. There's been a lot of talk about the recovery of ineligible loans. In fact, when the Auditor General attended previously, she expressed some displeasure.