 But it doesn't end at a paycheck, because costs are still too high for too many people. Our most persistent challenge remains affordability. The issue that defines more issues in more ways in more days remains housing. An added stressor, of course, these days is not just the cost of housing, it's the cost and availability of housing insurance. And we're tackling that with more urgency now than ever, moving reforms and new laws quickly to stabilize our insurance market.