and now thank you for listening to the presentation and i would like to invite our moderator john villasenor as well as our panelists. >>> thank you very much to darrell west and robin lewis for setting the stage here and thanks to all of you for taking time out of what i'm sure is a very busy schedule to help us with the dialogue on this really important topic. so the organization for the remaining portion of the program is i will introduce our two panelists and i will ask a series of questions and we'll hear their perspectives until approximately 11:00 and then we'll open it up to questions that you may have and aim those things up no longer than 11:30. we may briefly introduce our panelists. immediately to my left is camille br camille busette. a senior fellow in government studies. she also has appointments here at bookings in the economic policy programs. camille has dedicated her career to expanding financial opportunities for low income populations. she came here from cgap to assist the poor where she served as the lead financial sector specialist. previously she worked for the consum