 paying for your procedure. I'm out of time. Thank you. Thank you, Chair Sanders. Senator Murphy. Thank you very much, Senator Sanders. Thank you so much for having this hearing, and thank you all for being here. Senator Cassidy, thanks for helping put this together as well. This is an issue that I've worked on for almost two decades. I led Connecticut's first effort to put in place pro-consumer debt collection practices when I was a state legislator, the chair of the Public Health Committee, and I'm