Thank you, Madam Chair.
Thank you, everybody, for being here.
Ms. MacVicar, we hear the term “risk management” quite a bit. Some people will get the sense that you're weighing things, maybe taking shortcuts, maybe trying to prioritize what you pay attention to versus what you think is okay, and using the law of averages to say that you're going to catch what you should catch and let go what you should let go. Is that a fair assessment of risk management, from your view?