We're in a little different situation today, and I hope you appreciate it. You folks have been through it a lot before. I understand that your combined opening time is about 10 minutes. Is that correct?
The committee has agreed that even if the bells start, we'll finish hearing your opening presentation. We'll stop at that point to go up and vote, and then we'll come back into questions and answers.
I want to welcome you. I'm not going to give your whole titles again. You've all been here before. We have Charlotte, Krista, and Bernard back. It's always nice to have you here.
I'm going to ask whoever is starting to please do so.