our next presenter is heidi heartman, dr. heartman is the president of the washington based institute for women's policy research, an organization she form ed in 1987 to meet the need for women-centered policy oriented research. she's an economist and also a research professor at the george washington university and holds a ph.d. from yale university. dr. hearthman has published numerous articles and journals and books, and her work has been transmitted into more than one dozen languages. she offer lectures on women, economics, policy, including social security and retirement, and has frequently testified before the u.s. congress and is often cited as an authority in various media outlets such as cnn news and "the washington post" and "the new york times." in 1994 dr. heartman was the recipient of a mcarthur fellowship for her work in the field of women and economics. for those who aren't familiar with that award, it is a very, very special award. so thank you, heidi, for being here. >> good morning, everyone. i want to thank