by working in coordination with all those dedicated to bolster those goals, inancial capability. thank you. [applause] >> thank you so much. having heard the perspective of regulators it's now my pleasure to introduce someone who will bring a perspective from the field. ur next speaker with stacy stewart who will be talking about united way's efforts to foster stability. use applause >> thank you it certainly is an honor to be with you today and as the parent of two kids i know where to get information to help my kids learn about financial education as well. thank you and it's a great honor to be with you today. it's a pleasure to be a part of this panel of leaders as we talk about the importance of financial capability in the united states. united way worldwide is commilted to improving the financial stability of low income families and working families and individuals. the findings of this study are not surprising considering the challenge that is low income families are facing each and every day. i'm concerned with three as speblingts of the study and three trends that were no