mr. desaulnier: thank you, to my good friend from the state of oregon, for the brief opportunity to speak. i did want to speak personally, briefly on my experience in my previous job in the california legislature when i voted for this secure choice act. then we spent over four years working with the business community and the investment community to make sure -- and our attorneys to make sure the issues the majority brat up with regards to errries -- brought up with regards to erisa and other concerns, anddy this, to make sure these concerns were taken care of. we think that they have been taken care of. and we're proud of the secure choice act. close to seven million californians and 55 million people nationwide, most low and middle income, don't have access to retirement benefits through their employer. we're talking about people mostly who work for small businesses, neither employer nor employee can afford to enroll in expensive wall street-type financial advisors. they aren't able to pay the fees and expenses. this element of the u.s. economy, and at this point i have to agree with "t