Thank you, Mr. Chairman.
My first comment is that having written off all the debt and cleaned up your files during a time of uninterrupted economic expansion.... We see tax debt going up all the time. This I find quite disconcerting, because when the economy hits the tank, I don't know what kind of shape you're going to be in, but I know your collectibles are going to go straight up. Do you have a plan to deal with that, yes or no?