Thank you very much for that. That's some very helpful testimony.
At this point, Mr. Hall and Mr. Ludwig, I'll turn to you.
Mr. Ludwig, thank you for your very candid conversation. It can't be easy to say the words that you just said.
I suspect that while Driver Inc. is an issue—don't get me wrong—it's also often a symptom. It's not just the missing out on CPP and other things that is actually doing it. I believe there's also a greater association with things like not doing proper training and not doing proper vehicle maintenance. Would either of you agree with that?