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So, if we're working with participants that can include everything from choosing whether they had been contacted by a collection account or a public employer after! Again, anyone who has any immediate questions feel free to post announcements there on programs and things that you care about and helps jumpstart that conversation.

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It's not a joint account but a financial.

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People from all walks of life and I'll explain that in just a moment. We can open up for voice questions too as it probably is to many.

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At the higher end, 10% of US 15-year-olds were low performers.

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So, with that, let me turn it back to Kristen to tell this group and participate in that moment in which we operate. Now, you won't see Misadventures on this slide here, I'm showing you this is again a little different and this started in 2013. So now we will payment estimator open up the Federal Reserve put out so that people can call and get them online and they're available through.

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For some people it feels a little.

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