Okay. Good morning, everyone. Welcome back to this session.
Let me announce for those in the audience that we have set aside 45 minutes or so for comment, beginning at 12:35. So what we will do is go through this panel and then we will have a roundtable discussion without audience input. Okay? But please do write down or remember your questions for that session that will begin at 12:35 where we will focus on audience interest.