[applause] >> following andrea levere is never an easy opportunity with the energy she brings up thank you andrea and to lauren for starting our morning was so much energy on the point. such a great pleasure for me to today's surfers keynote speaker senator sherrod brown today. senator brown hails from our great state of ohio and he is always proud of it. my parents were overjoyed that i'm introducing a state senator and my graduate school friends and policy wonks are more excited about professor edin so it's all about perspectives. there are so many different facets to asset building through the eitc and i can touch him on policy that's not to be part of the panel and this conversation this morning to emphasize the growing importance of delivery systems for the itc and the professor edin's book she touches on this issue. if families are paying upward of $500 to receive tax assistance and additional dollars to get their refunds put on debit cards they are losing their earned income and they are being gouged gouged. tax preparer smuts be regulated and they should be required to provide

when andrea levere opened up she was talking about hope. we have been downloading turbotax through the free file. we have had the best success partnering with vita. my emotions are coming out. out. anyone eligible for a product can do free fed and free state. free file is not about into it but different software companies. have you looked. my favorite story is from harlem. we had a taxpayer using turbotax. angrier and angrier and angrier. and we said, sir, if you don't like it, don't do it. he said no. i have had someone else do my taxes for years. is years. is this all their is to it? [laughter] >> people are afraid to do there own taxes. the idea that you could get audited, zero money break the law is very intimidating to people a lot of the reason they go to private tax preparer is that they trust them to get it right which makes that laurie-anne sayles story all the more tragic. we must make sure those folks are regulated. fear is very much a factor. a lot of our folks what we saw is they went to the one person in they're network who ma