to have you here today and thank you. we also have david vladeck, who's the director of the bureau of consumer protection, the federal trade commission. we have chuck bell who is the program director of consumer reports. we have sally greenberg and timothy muris, the foundation professor, former ftc chairman and is great to have you all here. what we are going to do is do brief opening statements. we know at least one of our senators have to race back to the judiciary committee here momentarily. and then we will ask the panel for their opening statements, ever going to keep ours to five minutes or less. and then we will get right to the panel and we would ask the panel to keep theirs to five minutes, if possible. >> senator nelson, do you have an opening statement? by the way, senator wicker is on the way and should be here shortly, and he would like to make an opening statement. senator mccaskill? >> i would just wait and ask