 At this point, we have a very large body of research, including analysis of real-world settings, Medicare, Medicaid, the ACA, and randomized control trials of medical debt forgiveness. And those have shown us that large reductions in medical debts, perhaps surprisingly, generally do not lead to large improvements in other financial outcomes. The effects on credit scores, delinquencies, credit utilization, bankruptcy, other financial measures are often zero on average. Not in all cases, but on average.