 Philip Swagle, Congressional Budget Office Director. Let's start with how you have accounted for that, because you've been thinking through, you've made some provision for it. Let's take a look at that and then kind of work with me on that. I'd appreciate it. Okay. Go ahead, Mr. Chairman. Thank you. Questions from Senator Ron Johnson, Republican from Wisconsin. Two things I'll close with as we wrap up the hearing. One is that we've referred several times to the risk factor.