Yes, sir, I appreciate that. Thank you.
Mr. Bruyea, thank you again for your presentation, and again your thoughtfulness toward these recommendations is truly tremendous.
On the earnings loss benefit, which we've heard repeatedly, it's 75% taxable, but we've heard conflicting evidence. Should it be 100% taxable, or should it be 75% non-taxable? Seventy-five percent non-taxable is better than 100% taxable. But in your opinion should it be taxed at all, or should it be 75% or 100%?