[00:00:00] Speaker 03: 23-1233 Williams versus OPM. [00:00:05] Speaker 03: Counsel, please proceed, Counsel. [00:00:11] Speaker 02: I should have prepared sooner. [00:00:13] Speaker 02: I apologize, Your Honor. [00:00:14] Speaker 03: No worries. [00:00:15] Speaker 02: Good morning, Your Honors. [00:00:17] Speaker 02: My name is John J. Toreka-Rashili. [00:00:20] Speaker 02: I represent Miss Melissa Williams. [00:00:23] Speaker 02: She's the appellant in this case. [00:00:26] Speaker 02: She's the surviving spouse of Haywood Nichols. [00:00:31] Speaker 02: This appeal arises from a decision by the Office of the Personnel Management, OPM, and the Merit Systems Protection Board, MSPD, where it upheld the decision that Ms. [00:00:41] Speaker 02: Williams was not entitled to the distribution of annuities pursuant to a divorce settlement agreement. [00:00:49] Speaker 02: The issue is whether a valid state court order entered on July 1, 2010, which confirmed [00:00:55] Speaker 02: Miss Williams's right to survival annuity benefits pursuant to 2006 medical settlement agreement is enforceable under federal law, where both parties and the court relied upon its finality and where OPM initially acknowledged and acted upon the order by awarding survival annuity. [00:01:15] Speaker 03: Is it your view that the error below was [00:01:20] Speaker 03: That they basically required magic words directly in contravention to case law that says there shouldn't have to be magic words? [00:01:29] Speaker 02: Well, exactly, Your Honor. [00:01:30] Speaker 02: Fox versus OPM specifically addresses that there is no need for magic words, as long as there is some reference to some kind of identification of some kind of annuity. [00:01:42] Speaker 02: In this case, the settlement agreement [00:01:49] Speaker 02: specifically stated where the husband, who is deceased now, the husband specifically said, spousal benefits in my pension plan. [00:01:59] Speaker 02: That identifies- Survivor benefits. [00:02:02] Speaker 02: In favor of the wife. [00:02:03] Speaker 02: In the name of the wife, that's correct. [00:02:05] Speaker 02: And he also promised that he will not change that provision. [00:02:10] Speaker 02: Apparently, for unknown reasons, he changed his mind and he filed [00:02:17] Speaker 02: He changed his mind and he filed with the OPM. [00:02:20] Speaker 02: He took that provision back. [00:02:24] Speaker 02: Based on that, OPM acted and denied the annuities. [00:02:28] Speaker 02: Now, Ms. [00:02:29] Speaker 02: Williams. [00:02:30] Speaker 01: Getting back to Mr. Nichols, the deceased husband, he was a former federal employee in the CSRS retirement system. [00:02:39] Speaker 01: Is that right? [00:02:40] Speaker 01: I believe so. [00:02:42] Speaker 01: Is there anything in the record that suggests he had more than one pension plan? [00:02:46] Speaker 02: I am not aware of any other pension plans, and OPM has not presented any other pension plans either. [00:02:54] Speaker 02: So we are talking about this one particular pension plan. [00:02:57] Speaker 01: How long was he a federal employee? [00:03:00] Speaker 02: All his life. [00:03:01] Speaker 01: I am not completely sure how long. [00:03:04] Speaker 01: So then it's very likely that there really was only one retirement system he was part of. [00:03:11] Speaker 02: That's right. [00:03:13] Speaker 02: life insurance. [00:03:15] Speaker 02: He had four policies of life insurance. [00:03:17] Speaker 02: He has four children for each of those children. [00:03:21] Speaker 02: This particular annuity was for a new former. [00:03:28] Speaker 03: And so is it your view that there should have been an application of the three-part test articulated in our downing opinion and that the board failed to do that? [00:03:42] Speaker 02: Yeah, Downing is an interesting case because it talks about express terms, express provisions. [00:03:52] Speaker 02: Whereas in that particular case, there were no express provisions. [00:03:56] Speaker 02: That's why Downing court held the way they did. [00:04:02] Speaker 03: But didn't it lay out a three-part test for you have to look at [00:04:11] Speaker 03: whether there's a pertinent clause regarding a survivor annuity. [00:04:15] Speaker 03: And you're saying there is here. [00:04:18] Speaker 03: And second, if you look at that, you have to inquire whether the operative terms in that clause can fairly be read as awarding the annuity. [00:04:25] Speaker 03: And third, the court has to examine the evidence introduced concerning the intent and the circumstances. [00:04:34] Speaker 03: Yes, Your Honor. [00:04:36] Speaker 03: And is your argument that the government failed to do that in this case? [00:04:41] Speaker 03: I certainly don't see any evidence they did that. [00:04:44] Speaker 02: Well, the government keeps saying that the order that was entered in July 1st of 2010, which was the case was reopened, and the judge specifically ruled on this and knew it. [00:05:04] Speaker 02: They're arguing that this was a modification. [00:05:06] Speaker 02: we would say that that was not a modification, that was basically a clarification of what was the intent. [00:05:17] Speaker 01: In Downing, the appellant lost because whatever divorce decree or settlement agreement there was there, it didn't even mention anything about survivor benefits. [00:05:27] Speaker 01: It didn't say the word survivor benefits. [00:05:29] Speaker 01: Here, however, we have [00:05:32] Speaker 01: a settlement agreement that talks about survivor benefits in favor of a wife from his pension plan. [00:05:38] Speaker 01: Yes, sir. [00:05:39] Speaker 01: That's correct. [00:05:40] Speaker 01: And so then the next question would be, OK, what are the surrounding facts and circumstances of the settlement agreement that would indicate whether it's clear that we're talking about a particular survivor benefits plan? [00:05:58] Speaker 01: And that analysis didn't happen below. [00:06:02] Speaker 02: The only thing we have is a court order, which was July 1, 2010. [00:06:08] Speaker 02: And there is no objection from the deceased, the former husband. [00:06:16] Speaker 02: My client, Ms. [00:06:18] Speaker 02: Williams, once she got that order of July 1, 2010, she promptly notified OPM. [00:06:23] Speaker 02: And she received a letter of warning. [00:06:25] Speaker 03: Yes, but just to be clear, I think Chen's question was the same as mine, is your allegation that the [00:06:32] Speaker 03: board failed to make this assessment properly under the correct legal test? [00:06:39] Speaker 02: I think so, Your Honor. [00:06:40] Speaker 02: OK, great. [00:06:41] Speaker 03: OK, do you have anything further? [00:06:42] Speaker 02: No, Your Honor. [00:06:43] Speaker 03: Then let's hear from the government. [00:06:45] Speaker 02: Thank you, Your Honor. [00:07:09] Speaker 04: May it please the court? [00:07:11] Speaker 04: The court should affirm the decision of the Merit System Protection Board. [00:07:15] Speaker 04: This is a case where Ms. [00:07:16] Speaker 04: Williams, 2006, a divorce decree, the first decree dividing the marital property, fails to expressly state the statutory requirement identifying a specific pension plan or the amount of that pension plan. [00:07:39] Speaker 00: Can I ask you a question? [00:07:40] Speaker 00: Thank you. [00:07:42] Speaker 00: You represent OPM, right? [00:07:44] Speaker 00: Yes, Your Honor. [00:07:45] Speaker 00: Does OPM have a general counsel? [00:07:48] Speaker 00: Yes, Your Honor. [00:07:50] Speaker 00: And does the general counsel determine whether OPM follows the law? [00:07:56] Speaker 00: Yes, Your Honor. [00:07:58] Speaker 00: Is OPM's general counsel aware of Fox, Downing, Hayward, other cases? [00:08:05] Speaker 04: I believe so, yes. [00:08:09] Speaker 00: How would you characterize the OPM's initial rejection of the request here by Ms. [00:08:16] Speaker 00: Williams? [00:08:17] Speaker 00: Would you characterize that as saying the magic words were given? [00:08:23] Speaker 04: Your Honor, I believe that... Can you answer that question? [00:08:27] Speaker 00: How would you characterize the OPM's initial rejection? [00:08:32] Speaker 04: The initial rejection... [00:08:35] Speaker 00: No, I would not characterize that. [00:08:36] Speaker 00: What does it say? [00:08:37] Speaker 00: Doesn't it say you didn't specifically identify? [00:08:41] Speaker 00: It cites the regulations that tells you how to do that by naming the particular benefit program you're seeking benefits on you? [00:08:49] Speaker 04: Your Honor, I don't interpret that to mean any specific language. [00:08:54] Speaker 04: It just, when you look at the court order, you must be able to determine. [00:08:58] Speaker 03: Why don't you direct us to what page in the order you think helps you on this point? [00:09:07] Speaker 04: Before I get the page number, Your Honor, let me double-check if I'm correct here. [00:09:31] Speaker 04: Your Honor, I believe the first correspondence in which OPM [00:09:37] Speaker 04: rejected the court order was the January 27, 2009 at supplemental appendix 43. [00:10:00] Speaker 04: And in that third paragraph, it indicates, this court order does not use terms that are sufficient to identify this retirement system, as explained by the implementing regulation. [00:10:11] Speaker 00: And what does 9-11 specify? [00:10:18] Speaker 00: Doesn't it tell you to use CSRS and other things like that? [00:10:22] Speaker 00: Examples? [00:10:37] Speaker 04: So looking at 9-11, Your Honor, is this, for example, CSRS for OPM? [00:10:45] Speaker 00: I don't want to beat you up too much on this, but the short of the matter is that it's pretty clear to me that OPM's general counsel hasn't instructed its various people to follow Fox. [00:10:57] Speaker 00: Pretty clear to me, but just to move on. [00:10:59] Speaker 00: Let me ask you this question. [00:11:03] Speaker 00: So Jackson had this case in front of her. [00:11:05] Speaker 00: Did she follow the analytic framework laid out in Fox-9ing? [00:11:09] Speaker 04: Yes or no? [00:11:13] Speaker 04: She did not articulate the specific three-part test. [00:11:17] Speaker 04: However, from her decision, at least one of the three prongs fails because she's unable to identify what the pension plan was at issue. [00:11:31] Speaker 00: Wasn't given the opportunity. [00:11:34] Speaker 00: Williams clearly got over step one and five. [00:11:40] Speaker 00: And the step two is whether or not it's clear that there was an intention by the party to convey an interest in that particular thing. [00:11:47] Speaker 00: And she got over step two. [00:11:49] Speaker 00: Step three was the type of thing that Judge Chen was talking about. [00:11:53] Speaker 00: Whether there was some other plan. [00:11:55] Speaker 00: And that's step three. [00:11:57] Speaker 00: We all know that, correct? [00:11:59] Speaker 00: That's where that analysis happens. [00:12:01] Speaker 00: No, Your Honor. [00:12:02] Speaker 00: So did Judge Jackson afford Ms. [00:12:04] Speaker 00: Williams the opportunity to do that, yes or no? [00:12:07] Speaker 04: Your... Just answer yes or no. [00:12:09] Speaker 04: Yes, Your Honor. [00:12:09] Speaker 04: I believe that she... She did not. [00:12:11] Speaker 00: The record does not... Did you listen to the oral argument? [00:12:14] Speaker 00: Yes or no? [00:12:15] Speaker 00: No, Your Honor. [00:12:16] Speaker 00: So you didn't prepare for this argument? [00:12:19] Speaker 00: How can you answer me any questions about what Judge Williams did or didn't do if you didn't listen to the oral argument, which is on tape? [00:12:25] Speaker 04: Yes, Your Honor. [00:12:27] Speaker 04: I understand. [00:12:27] Speaker 00: Next time you'll be better prepared? [00:12:29] Speaker 00: Yes, Your Honor. [00:12:34] Speaker 01: Do we know if Mr. Nichols was in any other retirement system other than the CSRS? [00:12:40] Speaker 04: Your Honor, from the record, there's no indication whether he had other retirements. [00:12:45] Speaker 01: I'm just wondering why isn't this case very much like the facts of Fox, where, as I recall, we reversed the board below. [00:12:55] Speaker 01: There was a reference in a settlement agreement. [00:12:59] Speaker 01: about the survivor benefits plan without specifically identifying the particular survivor benefits plan. [00:13:08] Speaker 01: And we concluded that based on the record, it was quite clear what that survivor benefits plan was. [00:13:16] Speaker 01: And so therefore, that was good enough to award the appellant survivor benefits. [00:13:24] Speaker 01: And so now I'm looking at this case. [00:13:27] Speaker 01: There's nothing in the record that suggests Mr. Nichols was ever part of another retirement plan other than the CSRS. [00:13:34] Speaker 01: And we have a settlement agreement that talks expressly about a survivor benefits plan in favor of the wife from Mr. Nichols' pension plan. [00:13:47] Speaker 01: Why isn't that on all fours? [00:13:49] Speaker 04: Your Honor, the court was able to determine in the Fox case that they look at the record and affirmatively determine that there was no other pension plans. [00:13:57] Speaker 04: In this case, we have no idea how many pension plans he has. [00:14:01] Speaker 04: Opposing counsel said that he was a federal employee for his entire life. [00:14:06] Speaker 04: The record doesn't say how long he was a federal employee, but he lived for decades after he retired. [00:14:11] Speaker 04: So it's very possible and even plausible that he has other pension plans for after. [00:14:16] Speaker 01: But I think it's fair to say that the board didn't explore any of this, right? [00:14:20] Speaker 01: The board went straight to this regulation and seemed to have a certain understanding of this regulation [00:14:27] Speaker 01: that demands specific identification of a particular benefit plan, i.e. [00:14:35] Speaker 01: CSRS, FERS, etc. [00:14:38] Speaker 01: And because this marriage settlement agreement doesn't say [00:14:42] Speaker 01: one of those acronyms, then she rejected the appellant's survivor benefits annuity request. [00:14:50] Speaker 01: Isn't that right? [00:14:51] Speaker 04: Well, Your Honor, I believe that you can read more into the court's decision than that. [00:14:55] Speaker 04: She looked at this record, the two sentences we have in the marital settlement agreement, and the statute and the implementing regulation require that you be able to look at the four corners of that marital settlement agreement and be able to determine [00:15:11] Speaker 04: If there was a survivor. [00:15:13] Speaker 01: You can look outside the settlement agreement too, right? [00:15:16] Speaker 01: Isn't that what happened in Fox and maybe Hayward too? [00:15:21] Speaker 04: Lovely Rosado versus OPM, Your Honor, says that the court, the OPM does not look behind the court order. [00:15:29] Speaker 01: But in the specific fact pattern that we have here, where we're trying to figure out survivor benefits for a former spouse, it seems like Fox and Hayward, they are open and mandate now that we look at the surrounding facts and circumstances. [00:15:48] Speaker 04: Well, I think, Your Honor, Hayward was a very different situation. [00:15:51] Speaker 04: Hayward had two court orders in front of the court, one that was specifically addressing [00:15:56] Speaker 01: military retirement benefits and one that was specifically addressing... Let's assume for the moment that the court concludes the board did an incomplete analysis here, because it didn't actually undertake the three-step framework that I think Chief Jack Moore referenced earlier. [00:16:19] Speaker 01: Do you think this regulation, 838.911, [00:16:25] Speaker 01: demands that a settlement agreement specifically identifies a particular benefits plan? [00:16:33] Speaker 04: Yes, Your Honor. [00:16:34] Speaker 01: Okay, do you think that regulation then is invalid in light of Fox? [00:16:39] Speaker 04: No, Your Honor, I believe they can be read in harmony. [00:16:41] Speaker 01: How would that happen? [00:16:42] Speaker 01: Assume for the moment I have no idea, and I find that this regulation, assuming it demands these kinds of magic words, is incompatible [00:16:51] Speaker 01: with the fox holding that no magic words are necessary and so on and so forth? [00:16:57] Speaker 04: Well, then potentially the fox agreement decision is inconsistent with the statutory regulation requiring the Congress has intended that specific express terms, not specific, I shouldn't say there's no magic language, but express terms be used in order for OPM to effectuate their ministerial role in processing [00:17:20] Speaker 04: a divorce decree. [00:17:23] Speaker 04: Their role is not to infer or supplement or clarify. [00:17:28] Speaker 04: Their role is simply to look at the four corners of that divorce decree and determine whether there was a survivor annuity benefit granted. [00:17:38] Speaker 01: So are you saying that Fox was, what, just an infirm opinion, incorrectly decided? [00:17:47] Speaker 01: We did a statutory interpretation there of Section 83418, where we said what we said when we said that it was expressed and provided for in that particular settlement agreement. [00:18:02] Speaker 04: And I suppose, Your Honor, what we're at odds with, if I'm correct, is that you're asking whether you can go beyond the four corners of this agreement to determine what the intent of the parties is. [00:18:17] Speaker 04: I believe the court's opinion in Rosado says that the OPM is not going to go look behind the divorce decree to determine what the intent of the parties were. [00:18:31] Speaker 03: Wait, do you think that means that all of our cases that lay out this three-part system, which are numerous, are wrong, illegal, inaccurate? [00:18:42] Speaker 03: No, Your Honor. [00:18:42] Speaker 03: In conflict with something? [00:18:44] Speaker 04: But I think the facts in those cases allow the court to look [00:18:47] Speaker 04: at the settlement agreement and in totality, and they're able to determine what the specific retirement plan is and what... But we actually have many cases now following this line that articulates this three-part test, which includes [00:19:10] Speaker 03: looking to the intent of the parties, which is clearly that's looking at evidence outside the four corners of the settlement document itself. [00:19:18] Speaker 03: Are you now saying that those are all wrongly decided? [00:19:21] Speaker 04: No, Your Honor. [00:19:22] Speaker 04: And there's no evidence in this case that there was any other intent of the properties. [00:19:32] Speaker 00: Could I ask you one more question? [00:19:33] Speaker 00: The thing that puzzled me a little bit was that OPM did not, in this case, [00:19:40] Speaker 00: What has happened is the case was entirely decided on paper from OPM's foreign unit, submitted to regulations that were referred to. [00:19:51] Speaker 00: The attorney, Ms. [00:19:52] Speaker 00: Tiffany Slade, on behalf of the agency, did that. [00:19:55] Speaker 00: But when it came to the oral argument, the OPM did not appear. [00:20:00] Speaker 00: Can you explain why OPM didn't bother to appear at the oral argument in front of Judge Jackson? [00:20:07] Speaker 04: No, Your Honor. [00:20:07] Speaker 04: I don't have that information. [00:20:09] Speaker 03: And a minute ago, I think you, you attributed too much to Congress. [00:20:13] Speaker 03: I'm not sure. [00:20:14] Speaker 03: Can you tell me what you think it is that Congress requires by, by level specificity? [00:20:22] Speaker 03: Cause I think you quite overstated what I understand the statute to require. [00:20:27] Speaker 03: I think you kind of stated what the regs require, but not what the statute is. [00:20:31] Speaker 03: And you attributed that to Congress. [00:20:33] Speaker 04: To the extent that I overstated your honor, my apology. [00:20:36] Speaker 04: 5 USD section 8341H does say that it needs to be expressly provided for and then the regular... What needs to be expressly provided for? [00:20:45] Speaker 03: Because that's the mistake. [00:20:46] Speaker 03: I think a minute ago you said Congress expressly required for the identification of the retirement system. [00:20:53] Speaker 03: I don't actually think H speaks at all about the particularities of the retirement system, i.e. [00:21:00] Speaker 03: CSRS versus FERS or anything else. [00:21:03] Speaker 03: It just says [00:21:04] Speaker 03: expressly provided for, and what is it that's expressly provided for? [00:21:09] Speaker 03: An annuity, correct? [00:21:11] Speaker 03: An annuity has to be expressly provided for, but it doesn't say, Congress didn't say anything about requiring identification of the particular agency or retirement system, correct? [00:21:24] Speaker 03: That's correct, Your Honor. [00:21:25] Speaker 03: Okay. [00:21:25] Speaker 03: And my last question, I'd like you, do you have 838.911 with you by any chance? [00:21:29] Speaker 03: Yes, Your Honor. [00:21:30] Speaker 03: Good. [00:21:31] Speaker 03: Can you pull it out and look at it for me? [00:21:33] Speaker 03: Yes, Your Honor. [00:21:34] Speaker 03: Okay, so help me understand this regulation. [00:21:37] Speaker 03: A is what we've all been focused on because A is this regulatory requirement that adds a level of specificity to what's required in order to identify the particular retirement plan. [00:21:53] Speaker 03: Is that correct? [00:21:53] Speaker 03: Yes, Your Honor. [00:21:54] Speaker 03: And what is B? [00:21:56] Speaker 03: Is it just something totally different? [00:22:04] Speaker 04: I believe so, Your Honor. [00:22:06] Speaker 03: And C? [00:22:11] Speaker 03: So these are different things, right? [00:22:13] Speaker 03: These are, I guess, C, a court order affecting military retirement pay. [00:22:17] Speaker 03: Is that different? [00:22:18] Speaker 03: Like you don't have to meet A if you meet C? [00:22:37] Speaker 03: All right, I'm not going to make you spend any more time on C, but let's turn to D, because I actually am not sure why this wasn't analyzed by OPM, but it seems to read right on this case. [00:22:49] Speaker 03: And I know it hasn't been analyzed, but since you're likely going to get best case scenario for you of vacate and remand, maybe this is something they can look at below next time. [00:22:58] Speaker 03: A court order that requires an employee or retiree to maintain survivor benefits [00:23:04] Speaker 03: covering the former spouse satisfies the requirements of 838.804b1. [00:23:12] Speaker 03: So I think, and I could be wrong, but I think that you meet the level of specificity without necessarily having to say CSRS or FERS, right? [00:23:27] Speaker 03: Because this says a court order that requires the retiree to maintain survivor benefits. [00:23:36] Speaker 03: What am I missing? [00:23:37] Speaker 04: Well, Your Honor, OPM, it only has two scenarios. [00:23:43] Speaker 04: It's if it's expressly provided for in the divorce decree or if the court orders the former spouse to maintain [00:23:58] Speaker 04: the benefits. [00:24:02] Speaker 03: Wait, didn't the court order here require him to maintain the benefits? [00:24:06] Speaker 04: But it's unclear, Your Honor, what plan they're referring to. [00:24:09] Speaker 04: There's nothing in the two sentences in the divorce decree that would notify OPM when they're reviewing this in their ministerial role. [00:24:20] Speaker 03: Okay, but just to be clear, A says [00:24:23] Speaker 03: If you identify CSRS, FERS, or OPM or the like, you satisfy 838.804b1. [00:24:30] Speaker 03: D says you satisfy 838.804b1 alternatively if the court order requires you to maintain survivor benefits and if you're covered by CSRS or FERS. [00:24:43] Speaker 03: But it doesn't require the magic language of CSRS or FERS in that court order. [00:24:49] Speaker 03: I guess I don't see why this doesn't read on all fours. [00:24:52] Speaker 03: But you know what, we're not a case of first impression, so maybe if this goes back, somebody can take a look at that. [00:24:57] Speaker 01: Just a couple more questions. [00:25:04] Speaker 01: Go ahead. [00:25:05] Speaker 01: A month after the marriage settlement agreement was entered into, Mr. Nichols filed a form seeking to terminate Ms. [00:25:18] Speaker 01: Williams's survivor ban. [00:25:20] Speaker 01: which seems to be contrary to what he agreed to in the marriage settlement agreement. [00:25:26] Speaker 01: What effect does any of you know that has on Ms. [00:25:32] Speaker 01: Williams' ability to get survivor benefits? [00:25:35] Speaker 04: If it's appropriately ordered within the court order, it doesn't have an effect on a divorce decree that contains or provides for a survivor annuity. [00:25:50] Speaker 01: Just so I understand you, are you saying that what Mr. Nichols attempted to do was invalid in the face of the marriage settlement agreement? [00:25:58] Speaker 04: It would have no effect for OPM to enforce a valid court order ordering a survivor annuity benefit. [00:26:06] Speaker 01: Second question. [00:26:07] Speaker 01: It's a hypothetical. [00:26:08] Speaker 01: Let's assume for the moment that under our case law, Fox downing A-Word [00:26:14] Speaker 01: OPM is required to look at any evidence that shows the party's intent behind the marriage settlement agreement in determining whether or not the surviving former spouse is entitled to survivor benefits. [00:26:33] Speaker 01: Would that mean that if that's the correct understanding of our case law, does that mean that 838.911 is invalid? [00:26:43] Speaker 01: Because 838.911 demands that you have to have magic words in the marriage settlement agreement or divorce decree. [00:26:54] Speaker 04: Potentially, I think that certainly creates attention. [00:26:56] Speaker 04: Because 911 anticipates that by looking simply at the divorce decree, you're able to determine what was awarded to the surviving spouse. [00:27:11] Speaker 03: OK, thanks. [00:27:11] Speaker 01: Thank you. [00:27:12] Speaker ?: Thank you. [00:27:13] Speaker 03: So, counsel, you have some rebuttal time. [00:27:15] Speaker 03: It looks pretty good for you. [00:27:16] Speaker 03: Do you think you need rebuttal time? [00:27:18] Speaker 03: I think that's an excellent choice. [00:27:20] Speaker 03: This case is taken under submission.