turning to the edith norris rodgers scholarship, this originated from the 113th congress, a bipartisan bill c. we were a proud partner in the advocacy of this and we were delighted to see it become law. as the forever gi bill was being developed it became clear that the implementation costs,pl wou be a significant driver of cost. we have major concerns on whether or not the office is implementing this law are receiving adequate resources to execute this overhaul. the bill recognizes a shift for veterans and education in general. it's more apparent today than ever. the gi bill is a successful story because it has demonstrated results. as president thomas jefferson in 1808 the same prudence which in private life would prohibit us paying our own money for unexplained projects. with the implementation of forever gi bill we raised the question who should be allowed to play in gi bill land? many banks do not qualify for these loans due to the strict standards leading to outcomes impressed by the standard. perhaps the same should be thought about for the gi bill. we thank you for inviting us