 Thank you so much for the opportunity to speak with you today. My name is Fumiko Chino, and I'm an oncologist at Memorial Sloan Kettering Cancer Center. Every day, I use advanced technologies to treat and cure patients with cancer. And I also do research on how to make health care more affordable. I come today to speak to you about the harms of medical debt as an expert in the field, but also as someone who has personal experience with the financial devastation on patients and families of a cancer diagnosis.