Thank you, Chair.
I want to thank you so much for being here with us, Sammy. I hope it's all right that I call you Sammy. Thank you so much for your service, and thank you for taking the time to rigorously explain a lot of these things.
One of the things I've learned in this role is that you think you know a little something, and then you find out how much you don't know and you just have to work harder. Thank you for helping us understand.
This is just for my own clarity. You talked a couple of times about insurance, and then you talked about the pension in terms of the 20% and the 40%. Can you just explain that so I understand what we're talking about?