lanny breuer of the criminal division. andr birotte, of the central district of california. director david vladeck of the bureau of consumer protection and kent markus, the head of the enforcement. today is the work -- today as the working group gathers for the second time since its inaugural meeting, i want to express my gratitude for your leadership and for your dedication and protecting the safety and economic security of consumers across the country. these are goals and these are responsibilities that we all share. each one of us has a role in fulfilling them. for me, and for today's department of justice, protecting american consumers is a top priority. as we have rededicate ourselves to this work in recent years, we have also learned some lessons. primarily, fully understanding the threats that consumers face and protecting their interests in a comprehensive way is not