 Good morning. I would like to thank Chairman Sanders, Ranking Member Cassidy, and all members of the Senate Health, Education, Labor, and Pensions Committee for holding this important hearing and for inviting me to speak today. My name is Allison Ward, and together with my husband, we are the parents to twin boys. I am also a neonatal nurse practitioner. I would like to share my experience as a parent of children who spent over six months collectively in the neonatal intensive care unit and the impact that medical debt has had on our family. Our life as parents started abruptly when Milo and Theo were born at 30 weeks gestation, 10 weeks prior to their expected due date.