for those who have difficulties paying property taxes or -- itnce, the screening also screens for prescription drugs, utility, food, and transportation assistance. the average potential borrower identifies over $5,000 in annual reoccurring benefits. thatnclusion, we believe the long-term viability of the program will be enhanced through a balanced approach that ensures strong oversight but also supports continued collaborative research and development. we need strong consumer protections but also want to give the older homeowner the flexibility to meet their evolving financial needs. we thank senator menendez for his leadership in the introduction hud of his bill which would give the tools it needs -- which would give hud the tools it needs. thank you for the opportunity. i welcome the opportunity to answer any questions you may have. >> mr. bell? ,> mr. chairman, ranking member thank you for convening this hearing. the issues surrounding reverse mortgages bring a key question into consideration -- how do we finance longevity? most americans have inadequate savings. homeowners had at least 55%