 Thank you, Senator. As Dr. Chino said, and as I mentioned in my testimony, there are so many consequences to worrying about health. And we know that patients who are in financial distress after a diagnosis who are facing these medical debts do not adhere to treatment recommendations. They're more likely to die. And this has been proven time and time again from the RAND study in the 70s to the QJE study just this year. So it's a tremendous health consequence. Ms. Wood and Dr. Chino, you both have dealt with...