Thank you very much, Ms. Dugal, for your testimony.
At this point, I would also like to acknowledge that Ms. Irons was not able to successfully connect via video conference to finish her testimony, so we will attempt to get her as a witness either Wednesday or at the next meeting. Be mindful of that when we are posing questions.
Indeed, thank you all for your opening remarks.
At this point, I would like to move to our first round of questions.
We will begin with Dominique.
You have six minutes.