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Good morning. I'd like to thank Barbara Roper for her invitation to join you here. I've had a chance to talk frequently with Barbara in my job as an SEC Commissioner, and I know that she is a tireless advocate for investors and consumers throughout the United States. In fact, she is working on a study of the capital markets that has excellent research and insights. I will be borrowing from her draft of that study in today's speech. Barbara, once again, thank you-using your materials and research is the greatest form of flattery. Before I begin, I must remind all of you that the comments I make today are my own and do not reflect the opinions of the Commission, its staff, or the other Commissioners.