 In these areas and other areas, I believe XM can help ensure a level playing field in our global geoeconomic competition with China. But for the bank to play that role, it must be managed competently. As one of my colleagues and I were concerned by a recent Inspector General report that cited significant challenges at XM surrounding organizational culture, employee morale, and high attrition rates. In the OPM's Federal Employee Viewpoint Survey, XM plummeted from 12%.