let me think -- take this moment to sit thank you to holly petraeus for her commitment to try to how men and women in uniform. holly? >> thank you, secretary leon panetta, for those kind remarks and for inviting me to the pentagon today. i appreciate your understanding that financial readiness is essential to mission readiness. when congress created the service member affairs at the to the protection bureau, we have three central missions -- first, to see that military personnel and families receive the education they need to make better informed financial decisions. second, to monitor their complaints and respond to those complaints, and third, to work with other federal and state agencies and consumer financial protection measures for military personnel and their families. today's report, emphasized by our joint announcement with the department of defense, is a great example of how all three missions can come together to assist military families and ensure financial betting this. other agencies are represented as well, with senior staff from the department of justice and the departm