 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 percent 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,