DR. GUTMANN: We are going to make a seamless segue into a panel discussion so I'd ask everybody who has presented to come on up and I think we'll add perhaps a few seats to the table.
First of all, thank you all for joining us, and it’s a great privilege for us to have you here to share your wisdom with us on a set of very thorny and important issues. So, we’ve made a practice of this, and you’ve got to trust us, it works, even though it’s going to impose a discipline on you.
