Thank you, Mr. Chair.
Thank you for being here. It's certainly a different perspective from some of the witnesses we've had, in terms of looking as a third party from the outside and seeing what impact that can have on your particular industry.
I note that when you made a comment--and you may correct me--you said that there aren't many small specific claims that you know of that are having an impact on your industry right now. Is that what you said?