 Dr. G. Bai is accounting and health policy professor at Johns Hopkins University's Business School. I have the privilege to represent Dr. Ben Ippolito. Dr. Ippolito is a senior fellow in economic policy at the American Enterprise Institute, research focusing on a variety of topics within health economics and the role of health care costs in the personal finances of Americans. He's an expert in medical debt and will be able to speak to the broader consequences of medical debt relief. Dr. Ippolito, thank you for being here.