inclusion focus areas and equity through action. these two efforts, which build on the work started in 2014, combine to focus on accountability, hiring, onboarding and mentoring, advocacy, career development, and employ engagement that is able to reach their full potential at n.s.a. our programs are working. we have seen slow but steady increases in representation of minorities, women and people with disabilities in the workforce to include seniors. we are on track for reaching our minority hiring goals. n.s.a. increased our diversity hiring goals to 43% and 35% for women and minorities respectively by the end of fiscal year 2022. together, civilian populations overall is 26.1% racial ethnic minority, 41.3% women, 12.4% persons with disabilities and 2.7% persons with targeted disabilities. our ongoing review of personal processes and outcomes persistently uncovers different results for some segments of the population and we're committed to leaning into our areas of improvement. this past july, the careers and the disabled magazine n

together they are helping drive my strategic initiatives, the big six diversity inclusion equality inclusion focus areas and equity through action. these two efforts started in 2015 combined to focus on accountability, hiring, onboarding and mentoring, advocacy, career development and employing engagement in support of amp more diverse workforce tt is able to reach their full potential. our programs are working. we have seen slow but steady increases in representation, minorities and at higher grade levels to include seniors as we are on track for reaching our minority hiring goals. nsa-- [inaudible] together civilian population overall is 26.1% racial ethnic minority, 41.3% women, 12.4% persons with disabilities and 2.7%7% persons with targeted disabilities. our ongoing review of personal processes and outcomes uncovers different results to some segments of the population we are committed to leaning into our areas of improvement. this past july the careers and disabled magazine named nsa as 2021 public sector of the year for commitment for recruiting people with disabilities. earlier this m

he wrote in 2018 i served many years in war zones where incorporating the inclusion of inclusion was critical to our success. the us is facing more complex and serious threats to our nationalsecurity at any time in our history . the art of intelligence is about offering an inclusive environment which means actively incorporating different ideas, viewpoints and backgrounds to understand these threats and present policymakers with the best options for dealing with them. most enlightened leaders embrace this approach and swindle their judgments on the input they actively see. our country's unique and rich melting pot is an exceptional competitive advantage. and force multiplier for our intelligence community. socially and ethnically diverse groups enhance creativity innovation and performance. a lesson is eia teaches about the power of inclusion or our differences make us stronger, defenders of our core ideals of freedom, liberty and democracy. so who wrote this in 2018, daniel hawkins. the former chief of station with central intelligence agency with a combined 30 years of distinguishe

inclusion officer at uber, and the global head of diversity and inclusion at spotify.o much for joining us. i have been looking forward to this conversation. i want to start with you, una, you are part of a group of companies banding together to improve diversity in the workplace. how exactly will you, at various different companies, be working together? >> essentially, what the act does is -- taking collective action. we win or lose together. in products quite often or with the tech products we create, we win or lose and her own. that is not the same. two things really strike me. i have spent two decades in dei, five years in tact. there are two things. first, the tech industry has failed on dei. there are passionate committed clever people in the tech industry want change. so the act report lays out a roadmap for that change. it shows us how we can come together, and also acts as inspiration, so if people want to know the answer to the question that the expert group spent one year answering, how to transform dei in the industry that is applicable to all industries, t

financial inclusion. i think her once again for having accepted my invitation to participate in this important event. >> thank you. medium and small enter printers around the world are often filled with admiration. their commitment, perseverance and passion is -- we acknowledge the tremendous contributions they make to our societies and economies, providing millions of families with income. we depend on them for more equitable and sustainable growth. they are also the main drivers of innovation. as the -- of employment worldwide. yet, half of them do not have access to credit and their access to markets and infrastructure continues to be challenged. unsurprisingly, smes are among the worst covid-19. this does very on sector and size, but smaller and more informal enterprises suffer the most. we are united in that effort to prevent poverty, inequality and strengthen sustainability. smes that can help us the most in this endeavor. every doing enough to support them? do we consider women specific needs? do w

and inclusive tech industry.t's next. this is bloomberg. ♪ >> the number one word is ambition. we are not where we need to be. about 120 countries have put in new commitments to 2030. we are not going to get under current plans where we need to get to which is harboring greenhouse gases by 2030. they need to raise their game. some have already raised it others need to do so. emily: that was a dire warning ahead of the cop26 conference in glasgow. you can catch more on that interview on bloomberg technology tomorrow. a new report action to catalyze tech brought by 29 leading equity and inclusion experts from academia and the tech industry. they call on tech companies for this industrywide challenge that must be tackled by together. for more on that, my guests are from snap, spotify, and uber. you are part of a group of companies banding together to improve diversity in the workplace. how will you at different companies be working together? emily: essentially, -- >> taking collective action. we win or lose together

and they have also a sort of committed that we have an inclusive company. now, all these for them to me, it, it, if they honor that i, you can see it very positive response from all countries, especially the regional countries and international community. but if the door any follow on those or commitments i, i think that they will not be doing any service 2 of them. i think the issue of our international recognition is a very thorny and very fasting one. not only for the taliban, but also for the so called international community, because everybody has very strong reasons to do that. and not to do that. as long as the taliban is listed as a terrorist organization by the united nations. we have to recognize that any context with them. formally speaking is a violation of international law. so my question to you is, would you rather see all those countries? russia, pakistan, india, china, the united states. again, everyone who is in asia perform is involved in the region. i'm attaining certain context with the talent and would you rather continue seeing them d

we can preserve financial inclusion as the economy expands. the constituents are counting on us to get this right for what people need from the financial hardship. i yield back. >> please allow me to welcome each of our witnesses i'm pleased to introduce the panel we have today. the vice president of public policy, telecommunications from the national consumers league. next we have norma garcia at the economic development agency san francisco. so as a financial justice program director and the house of representatives in and from george mason university and senior fellow at cato i do apologize i did not get your nametu correct. the witnesses reminded of your testimony should be able to see the timer that be mindful of the timer and wrap up the testimony fee here times. with the witnesses and the committee members. without objection the written statement is a part of the record. once the witnesses finished her statement, their testimony each member will have five minutes ask questions. i want to remind them members that you should ask your ques

italy's g20 presidency endorses a global partnership for financial inclusion to support the use of digital tools and protect smes. women entrepreneurs were among the hardest hit by the economic downturn. they faced more limited access loans than men and shouldered a larger share of domestic work at a time when widespread school closures. it only has put female empowerment at the core of its g20 president -- presidency. there can be no rapid, fair, and sustainable recovery if we forget about half of the world. together, we have stepped up the g20 commitment to counter gender inequality in the workforce. to promote female leadership, and, remove old barriers to women's full participation in our societies and economies. we have promoted women's and girls a study of stem subjects and more equal distribution of domestic cohorts between women and men. a just society begins at home and in the work laced. it is my -- and in the workplace. it is now my pleasure to introduce queen maxima of the netherlands, the u.n. secretary general special advocate for development and honor patron -- honorary patr

tiktok has a great platform to make learning about financial education fund and inclusive. you doing it? >> social media. we do a throne platform. it is the wording of it. you don't want to make someone feel like that doesn't fit may. whether we are talking about -- i will give you a perfect example. speaking about why you should get a big account, why should move away from payday lending, check-cashing. you go to one person and you are like, get this bank account. they say i am tired of paying overdraft fees. for us, it is very much social media. in person experiences now hopefully coming out of the pandemic, how do we get boots on the ground? our platform, social media, we have to mix it all together. there is no one answer to all of it. caroline: how are you taking your voice heard? making sure you have the funds you need? i had the privilege of interviewing someone last week and having a conversation about wanting to be a growth fund aimed at people of color but sometimes people of color want to be recognized as a great entre mere. -- great entrepreneur. how are you fin

very sensitive to the issues of financial inclusion and with the task force report and increase inclusionbody is left behind and with a more cashless society to make sure nobody is left behind but also to consumers and businesses and the economy from the development we have seen this past year with six months of time was telescoped maybe into three years of accelerated during the pandemic with respect to electronic payments but this has been left to the market of consumers and of businesses there's a similar transition during mywn own lifetime with elimination check which was very popular and ubiquitous during the lifetime we saw phasing out s the checks simply because of the cost and the preferred convenience and cost of electronic payments. let's make a a couple of things clear but these trends are inevitable and will continue and over time we will continue to see an increase in use of payments and those are supporting this especially because of the cost of accepting cash is a fixed costs with vaults and security systems and cash registers. but at the same time we know consumers will co

asset good for our country and we must remain vigilant in ensuring that our economy is inclusion or an excess of one. i committee is asking the right questions to get asking us to consider the impact on the most vulnerable populations and that's what we call potentially and equity impact analysis. it's kind of a corollary to an environmental impact analysis and we think it's an essential piece of any policy proposal that is coming before us for consideration. what is the impact on the most vulnerable communities? we can tell you that in san francisco my organization serves highly vulnerable populations but is not sure equally in the economic boom that is san francisco and silicon valley. in fact, due to growing income inequality san francisco latino community lives in one of the nation's ground zeros for displacement of latinos, community they had called home for generations. we believe equity impact analysis demands once determined a particular policy proposal of a negative adverse impact, we will need to figure out like if this is not working and it's going to adversely impact the mo

i would say is badly needed to have an inclusive process of. busy discussion among old components of d, afghan society. and what is mosque was doing is extremely important. personally, i don't trust taliban. it's because a taliban said program should be a rarely keeping their promise. is that also because they are divided from inside because of some factions? ah, more extreme is some other factions would be in favor. all inclusive government by the exercise is of great al, provide a debt the taliban except for example, that the g component that use becky component, the other components, or other than pash to take part of an intrusive government. busy in a near future in afghanistan, while frank, i wanted to ask you about something, the taliban said, they warned that the continuation of sanctions will result in a wave of refugees. would you say this is something akin to a warning or a threat? both if it can be also flat because that which is through the taliban. sam said that the very beginning there would be prohibiting the afghans to leave the

so in that sense, trek is going to put a pressure on taliban to be more inclusive. other. the other hand, from the 1st day on when taliban to pull that afghanistan took, it, has been very much positive in terms of a finding a way to work with taliban. just yesterday, the minister of foreign affairs of turkey, when having a presser with for the minister of indicator gray. and i'm cut out, he said that definitely engagement is needed. so the world that did the international powers in the countries must have a certain level of engagement with taliban. otherwise, if taliban is completely excluded from the international system or isolated from the world, doubt cooled, lead loss of complications regarding the security and total financial quality of the country that will definitely how remarkable impact over over afghans there. so engaging with taliban will make it in a sense more manageable and also will be for the benefit of the afghan civilians as well. so i think tricky for now is quite cautious whether to recognize taliban, but on the other hand, they're definitely ready for

but they've got to be more inclusive. they've got to carry others along, and they want to honor those commitment. that's my sense. if the dog i, i'm a fair there would be difficulties and i will follow through their company. and finally, if i'm a, let me draw on your experience as pakistan's ambassador to the united states and ask you specifically about a possible ties with the united states under these new interior met ministration. a mr. honey, who was pointed to the interior ministry by being on the and was most want at least and the 5 credible before that he may still be holding an american hostage g thing washington. it will still want some sort of a relationship with the new or a capital. or do you think that that relationship may already have been established? the americans have been talking to with the taliban for the auster 2 and a half years and nothing has really changed in that sense. and since the deal, in february 2020, it was the same bond and they can go to their d. now that they've been drawn, it has been

, as has been china's inclusion in the msc i index and things like that. i think, gradually, that sort of thing will fade away. stephanie: all right. i want to come back actually to some of those financial, we've got a few questions and related to capital market issues. let me go to some of the audience questions that we have been receiving, the first one, >> you can see the last few minutes of this event at our website c-span.org. we are leaving this here to keep our over 40-year commitment to live coverage of congress. u.s. house of representatives today is considering legislation to award the congressional gold medal to service members who died in the august 26 terrorist attack during the u.s. evacuation from afghanistan. now live coverage of the house here on c-span. the speaker pro tempore: the house will now be in order. the prayer will be offered by chaplain kibben. chaplain kibben: would you pray with me. receive our prayers this day, o lord. receive them and supply us in our need. for our prayers reflect the disquiet of our lives, the feed for ans

i and what would you say are the barriers to inclusivity?— barriers to inclusivity?h, because risks and become more radical in your approach, because i think that is what the times call for now, so that has been a barrier, and i think in terms of from an arts perspective, i also think access as well and information, communication, assuring that all of our opportunities are reaching the right people and we are inviting everyone into the room that needs to be heard and centring on voices and the things that we need to do as an organisation, notjust as an organisation, notjust as an organisation but as a sector to ensure that it is a more equitable sector. �* ,., ensure that it is a more equitable sector. �* , ., ensure that it is a more equitable sector. �* ,, ensure that it is a more equitable sector. �* ., sector. and so when you say that organisations _ sector. and so when you say that organisations have _ sector. and so when you say that organisations have been - sector. and so when you say that organisations have been risk - sector. and so when you say that - orga

to improve the efficiency andaccuracy of those services, while reducing cost , fostering greater inclusion, the reckless full spectrum cultivation of consumer data and manipulation of that data raise important policy questions about personal data protections, user control and meaningful consent ensuring that data. as wellas the algorithmic contours of privacy . many financial services providers additional contact requested revelatory guidance and laterclarity in this area . how some current laws data as don frank and the credit reporting act and equal credit opportunity act are generally instructed , there are serious doubts that leave much uncertainty given the transformational technology and advancement as well as changing relationships and customer preferences that we face today. i want to thank our witnesses for your willingness to help this task force with this work. i look forward to our discussion and the chair recognizes our ranking member the gentleman from ohio for five minutes for an opening statement. >> thank you chairman lynch. i appreciate your conducting this hearing on the

along with increased financial literacy, financial inclusion and improved financial fitness. finn is city has been at the center of many of these empowering experiences, for example finicity has enabled consumers to attribute more data to their credit scores through experian boost and through the ultra ficus scores. the solutions use cash flow data, explicitly permissions by users to help them improve credit and achieve financial goals. so with all of this positive movement, why am i here? this is a technological shift that is still very much in the early innings. as it emerges and watchers, federal policy makers will play a meaningful role and pace in the pace of this transformation by providing clarity on data protection expectations, data privacy requirements and presume or consumer data rights. clearly, consumer data protection is a must throughout the data access ensuring process. safeguarding the data is foundational to accelerating innovation. while protecting the consumers from financial data theft. equally, i believe we all agree that the privacy of personally identi

it must expand financial equity and inclusion. by providing choices and options that make personal financial management easier, more efficient and safer for all consumers. technology must not limited choices and perpetuate inequities in our financial system that exclude and discrimination. cashless payment policies amount to discriminatory red lining. there are millions of red lines around individual customers shopping on main street every day which deny them access to goods and services despite having perfectly sufficient u.s. legal tender to spend. thank you. >> thank you for your testimony. representative valdez, you're now recognized for five minutes to give an over view oral presentation of your testimony. >> good morning, mr. chairman. >> mr. valdez, we're having some technical issues. we'll ask technicians to help. >> can you hear me now? my apologies. hopefully my audio is coming through clearly. >> it is. >> okay. thank you, sir. thank you mr. chairman and thank you members of the committee, my name is -- valdez which enc

have the potential to improve accuracy of the services while reducing costs and fostering greater inclusion, the relentless full spectrum cultivation of consumer data and the manipulation of that data raise important policy questions about personal data protections, user control, and meaningful consent to sharing that data. as well as the ultimate contours of personal privacy. in fairness, many financial services providers both traditional and -- have requested regulatory guidance and greater clarity in this area. some current laws governing financial data are generally instructed, there are serious doubts that there is much p uncertainty in the transformational technology and advancements as well as changing relationships and customer preference that's we face today. again, i want to thank our witnesses for your willingness to help this task force. i look forward to our discussion. and the chair now recognizes our ranking member, the gentleman from ohio for five minutes for an opening statement. >> thank you, chairman. i truly appreciate that you're conducting this hearing on a very import

all of this is a part of the vital ministrations, new gender inclusivity strategy, and the identity of the 1st issue is and it's quite undisclosed. however, the united states, special diplomatic envoy for l g b t q writes, actually considered this to be a major victory. prior to this leave, applicants had to actually present medical papers to verify their biological sex they were born with. however, now applicants can just actually select the gender of their preference to go on their passport. this is the point of a passport to help identify to foreign countries who exactly as a person they are letting into their country. and could this pose even more issued for americans travel abroad to countries which don't have the same inclusive policies to non, by an airy intersection, gender nonconforming, people as the united states will discuss every industry robinson, house and lifestyle journalist and educator and ed martin and publisher of pro america report. thanks for coming on on this very interesting issue. i'll be honest with you on this wednesday when i was listening, president button

so the total one problem stems from, as is, was explained by our other guests that are not inclusive within the african society . they are not liked within the region except that focused on backs the taliban. and china would like to have some type of relationship with them for their own, for its own political and national benefits. and internationally, you can see that we're going to suffer some countries to staying away from the phone on you is staying away from a call upon an overall united nation is staying away from the top one. and the top one in the meantime, are being pushed around by isis saying that your model does not work, that we have to extend a fight to the other countries and have a global agenda. and establishment of this is that the problem was grappling with, and i don't see any easy way out of the taliban for making sit and concessions. but the real question is, to what extent can the polar bond change, where they do not lose the core constituency, which are the hard liners. there are reports of social media and i said it's very quickly the digital social media way

news also a long-time board member for -- inclusive. he has a long career in international cooperative development. his experience includes smith and project about meant, management and marketing. he has worked as a small banishment -- small business consultant and international project director and director of field operations, among many other leaders --leadership positions. next, i would like to bring to the stage secretary tom vilsack, thank you so much for being here. he is -- the community. there is little introduction needed. [laughs] the last thing i will say it, i have gotten to work with both of these and for both of these gentlemen in the last 15 years, their shared commitment to communities and to write access to communities is unmatched by anyone i have come across. i am looking forward to this conversation. pinky for being here. [applause] -- thank you for being here. [applause] >> thank you. thank you for agreeing to sit down with me today. i want to thank inclusive and all the partners and sponsors who made this possible

currently we need to work on the political settlements. taliban must not attract more inclusive to the government to the political structure. region must support taliban with support is borders that we have with you don, we have with the pakistan and center and he said to eliminate the cross part of that terrorism and also a sales of those that they start having ideological confrontation with the regional countries in 3rd, 3rd, men important think is for the european countries and they use their lift of going to sun and stable situation. the lift up done, it's done facing so many different problems up already. no, not having jobs, sir. man. there marie, good governance. so didn't need to support her, the new government here, the transition has to be stable. i'm all i'd set stoned off her control. was his face as an a or it's that very point that i want to put to to, to michael. you said michael, that, that eventually some sort of international assistance will be given security wise to to the taliban. but to what extent is his time of the essence given at the state in which afghanistan

romaine: economic inclusion, we heard a lot about that. we have a roundup of some of the voices we heard so far. >> i would be pulling back on the taper. i would have started it already. the first step is pulling back on the taper. the second step is normalizing interest rates. you have to be careful because you don't want to jolt the markets and change too much at once. >> we want our clients to be exposed to the next faang's. tesla is becoming a faang. >> one of the silver linings of the terrible pandemic is an acceleration of talent. we are seeing capital that will allow us to level the playing field in terms of innovation in this country and create jobs everywhere, not just in a few places. caroline: just a few of the voices. here is the ceo of engine number one. it made shockwaves by the firm winning a boardroom battle. jennifer joins us now. we are talking about gm, electric vehicles. you are deeply thoughtful about the role of the retail investor. you made seismic changes to the way they are running their business. they are looking

they, they promised that inclusive government they didn't deliver on it. so they shouldn't be surprised when they sit down with western into future interlocutors who are all, all keen to undertake preliminary engagement with them on our bessie telling them. there is a long list of things you're gonna have to do before you do get serious assistance . in the meantime, what they're going to be offered is humanitarian assistance for the population rather than either security assistance or serious economic assistance. and the question is, how quickly can both the taliban and also other afghans? because remember your tell about who you represent the small part of afghan society, taliban and other afghans as they get themselves organized. again, how quickly that can they move to war? some kind of credible structure, the actual inclusive government, which the taliban promised, but it did not deliver because yeah, that, that is when there will be a realistic prospect of proper security assistance and economic assistance. and the longer it takes, the more damage tha

when we speak about being more inclusive, representative, i think we should think about ways by whichn make the process of negotiation within the forces of freedom and change more democratic and more inclusive. that can be achieved by getting engaged in deliberative sessions that put the higher strategic objective insight. the higher strategic objective is making sure this transition is successful. if it is not successful, we will get into, get back into areas of authoritarianism and totalitarianism. when we speak about expanding the government and being more inclusive, we have to speak about the legislative body, we have to speak about the commissions, we have to speak about the security reform. we cannot simply speak about the prime minister's office. all in all, there are at least 26 ministers. we cannot all be included in the council of the prime minister's office. but we can get included in other forms of government. peter: ok, hajooj kuka, the people you speak for and the people you speak to, how unified are they? hajooj: let's talk about the urgency of the moment. we are talkin

rethinking how we communicate to be more inclusive than ever.mware helps companies navigate change. faster. vmware. welcome change. ♪♪ since our beginning, we've looked to inspire and nurture each other by asking what's possible? what's possible when we connect? what's possible when we come together? when we open our hearts. when we grow together. after 50 years, we've learned that possible opreza: trabajar en recology es más que un empleo para mí, es una tradición familiar. tomé la ruta de mi padre cuando se retiró despues de 47 años. ahora le muestro a la nueva generación lo que es recology como una compañia que pertenece a los empleados. estamos orgullosos de haber creado el sistema de reciclaje. convirtiendo a san francisco, en la ciudad mas verde de america... sigamos haciendo la diferencia juntos. sales are down from last quarter but we are hoping things will pick up by q3. yeah...uh... doug? sorry about that. umm... what...its...um... you alright? [sigh] [ding] never settle with power e*trade. it has powerful, easy-to-use tools to help yo

inclusive, pacientes en menopausia para usar estrÓgenos o cremas vaginales. importante consultar con el mÉdico cuando vengan los sÍntomas. es fÁcil de tratar si se identifica temprano. si esperamos, la infecciÓn puede subir a los riÑones y causar una infecciÓn mÁs seria. puede ir inclusive al tracto sanguÍneo. eso ya es mÁs grave. podrÍa ser hospitalizado. es importante identificar los sÍntomas e inmediatamente ir con el mÉdico. paola: muchas gracias. doctor, buenas tardes. paola: tras el anuncio de que los extranjeros vacunados podrÁn viajar a estados unidos, muchas familias celebraron la noticia. pero veamos los detalles. >> caramba! es fantÁstico!. reportera: la casa blanca dijo que permitirÁ que los extranjeros completamente vacunados podrÁn viajar a estados unidos. es una buena noticia para javier. [habla en inglÉs] reportera: todos los viajeros entrantes, incluso los estadounidenses, deben mostrar prueba de vacunaciÓn y pruebas negativas. >> no creo que sea buena idea. si no tienen control sobre eso, nunca vamos a terminar la pandemia. reportera: este a

so yes, this is about making sureak we have a financial inclusion. and our economic banking system needs of that. it needs places for the consumer to make. and i'm surprised you have not been to a place that says no cash taken. i think probably half the vendors and the airports that i've been in in the last year will simply not pay cash. other drive-through's. i don't put it on the credit card. i carry cash. but carry it more to be able to give people cash kits because merchants are not only don't get their tips daily or monthly or sometimes they charge back to the emergencies to the waitstaff and i don't want them to do that, so i do my tips and cash to make sure people can put that money in their pocket the same day. to put $80 on a credit card because you went to a drive-through to get some chicken, we cannot do that to people. i am fortunate. i've got the credit card, the debit card. a recent study found 12.2% of hispanic households and 14.8% of black householdsho were un- band and 2.5% of white households were not. the banking industry has made

the best it can be and the most inclusive it can be. and i am excited about this and i hope that the board of supervisors takes the advantage of what the mayor is putting forward and a bold idea of taking car centric infrastructure and doing exactly what we know every climate scientist is telling us we need to be doing which is building in-fill, walkable communities and getting away from the carbon emitting technology of the past. and thank you so much and now i am going to hand it over to todd davis from housing action coalition. >> it is never fun to follow lar. i want to start by saying, how lucky are we in san francisco to have such amazing leadership on housing and mayor london breed and state senator weaner, two of the most amazing housing champions in california. as a parent of three teenager who is all want to come back to san francisco -- and i don't want them moving back into my house -- i think that we need more housing. look, we all know the housing action coalition, we are a member supported nonprofit that supports housing

and the goal of financial inclusion in the economies we serve. we are also redoubling our efforts, supporting the proliferation of alternative data, which is the most direct way to expand credit to historically disadvantaged groups. notably, we are working with the occ on its project reach efforts. transunion believes alternative data is a racial justice issue. millions of underrepresented consumers make rental, utility, and other payments every month. yet the current system gives them no credit. often rendering them credit invisible. transunion is committed to helping americans protect their financial health during and after the pandemic. we look forward to working with congress to foster financial inclusion and further empower consumers. i appreciate the opportunity to be with you today and look forward to answering your questions. >> thank you, mr. danaher. ms. keen, you're now recognizes for five minutes to give an oral presentation of your testimony. >> chairman green, ranking member br, chairwoman waters. thank you for the opportunity to ap