Thank you to our witnesses for being here today. We've had another number of interesting presentations.
Mr. Wilkes, I'd like to start with you. I want to talk about the cost of complexity, a piece that you mentioned, and then there were the barriers to entry, the standard platform, and those types of things.
In our first meeting, we were discussing the barriers to entry. Because of the security that's required and other types of things, not just anybody is going to be able to enter this market, because there's a certain barrier to entry just on that. What I'd like to ask is, when you talk about the standard platform, how would you see that happening? I can see there would be a certain number of players in. I can't imagine that we're going to have a big, diverse group in, because of those barriers to entry, so how would you see that standardization happening?