 Thanks very much, Ranking Member Cassidy, Chairman Sanders, and members of the committee. Like you said, I'm Benedict Ippolito. I'm an economist at AEI. And much of my work focuses on health care costs broadly, but how that affects the personal finances of Americans. It's been alluded to before, but medical debt attracts justifiable attention. It's not just that health care is unpredictable, but medical debt reflects these other features of health care markets that we don't like. The costs are high. The billing is complicated. The billing can be inaccurate, many other things.