Excellent. Thank you very much.
Mr. Fadden, this study brought us on a journey. We had no clue where we were going, because it's so vast, big, wide and diversified. We totally understand the relevance of any action to be taken on this, especially on my side, with financial institutions. From your knowledge of government and your experience, where would you say we should start in establishing policies, and what are some of the recommendations you might have?