mr. zients, will not be able to take questions, but for the panel that follows mr. zients, those here in the audience, you consummate your questions on cards provided. and those of you who may be watching on television can submit questions online. we are very technically updated here by twitter #bpclive. or you can e-mail your questions to bipartisaninfo at bipartisan npolicy.org. let us begin. some have dubbed this event the policy throwdown, surrounding the department of labor's judiciary standards. officially, we are much more boringly named. we certainly have champions, and we probably have a few critics represented here today. a little over a year ago, the bipartisan policy center launched the commission on retirement security -- retirement, security, and personal savings. the commission is headed by former senator ted conrad and the former deputy commissioner at the pension benefit guarantee corporation. that commission is made up of some of the most prominent anchors in this country surrounding pensions and savings, and they also include the two public trustee