businesses go belly-up, because of the cheer size of those, you would only obligate us to return to the formula retail and keep that domino effect going forward. that's what's pertinent to the discussion before us is a requirement that we have a more modernized assessment on how to deal with these issues because case by case they'll continue to come before us and we're not, i think, answering the problem that is before us. president chiu: colleagues, any additional discussion? at this time, i'd like to ask the project sponsor if you could step up for your presentation. you have up to...