Thank you, Mr. Chair.
Good afternoon, everyone. Thank you for joining us today. I am very grateful.
I know every time the fact that you have to repeat your story is extremely difficult, and we're fully aware of that.
As usual, I have dozens of questions. I had to choose the most important, or I think they are, and it's a brainstorm.
First, for Mr. Harris, this may be more a technical question. You say in your text that you want to save those who have fallen through the cracks. Could you share with us, if you know it, what the common issues or scenarios are of the members who you consider have fallen through the cracks? Is there a common theme?