 for the children. This is just around childbirth. Medical care for infants can result in higher out-of-pocket costs and debt. And then the out-of-pocket costs connected with pregnancy and childbirth, particularly for new parents, come at a time when families are experiencing income loss. If you work with one of the 75% of the employers in the country that doesn't often offer paid parental leave, and also if you're looking for child care in a nation that doesn't do a very good job of funding affordable child care,