professor of public policy and director of the center for workforce development of rutgers -- at rutgers state university. it is a superb group of individuals to take part in our conversation today. i want to begin with you, joan, and ask from the corporate perspective when you have seen about what it is like to bring people with disabilities in, the possibilities and challenges. >> good morning, everyone. thank you for this opportunity. i am thrilled for the level of focus of this issue is being given today. congratulations to everyone on that. from 2004 to 2009, when i managed an initiative within j.p. morgan chase that took a look at people with disabilities and how we reflect them across the firm in the full spectrum with our products, services, policies, and procedures. it started with the tone at the top. our ceo, corporate senior executives, business executives, managers throughout the firm, that was the directive. this is where we're going to go and how we're going to do it. from the leadership perspective, they were engaged. that was critical. moving forward, several other items i took a look at