ms. mccarthy: no. this is one of the arguments i am seeing, because it is the most vulnerable and low income communities that we are acting for. they are the ones most damaged by a changing climate. we see it over and over again. we are not going to hurt the very people we are trying to help, so this plan does a couple of things. it provides clean air for our kids, and it provides carbon-pollution reductions. we are talking about a net gain in 2030, every year, about $45 billion in savings, because the energy world always costs money. the energy world in 2030 with this plan will cost less, and it will save lives. charlie: so you say this is simply not true. ms. mccarthy: net benefits, and the cost to consumers by 2030 will actually be an $85 per year savings, because the world we are looking at is cheaper. it is easier. it is. the first year of compliance, it will be about one gallon of milk, about three dollars. by 2025, that will go down to one dollar, and then the savings accrue, so there is no way