Max de Haldevang and I will talk all about hidden money on our weekly members conference call today. The 30-minute discussion will start here at 11 am ET/4 pm GMT. If you want to join us by phone, the US dial-in is +1 888 240 2560, and the UK dial-in is +44 203 608 5256; for both numbers, the meeting code is 722 994 440.