Thanks, Mr. Chair.
First of all, let me welcome all of the different groups today. The witnesses and their presentations are very interesting. I'm sure we've heard from many groups, and individuals especially, who are lobbying for cash refunds of course. Rightly or wrongly, the airlines argue that such activities, as were referenced earlier, could cause them to fail—which would be something we certainly wouldn't want—and that they're not legally obligated to offer refunds for some of the tickets they've sold without insurance and that kind of thing.
I want to ask Mr. Jack and Mr. Lawford to comment maybe. In a situation or a scenario where the courts confirm that given the circumstances, the airlines did in fact have the right to offer vouchers in lieu of cash reimbursements, what would you advocate for at that point? For instance, should vouchers be valid for longer than two years? I'd like for Mr. Jack, Mr. Lawford, or both, to comment on that, please.