after a time time of wage sdrim nation, women approach their retirement years with little or nothing in the way of prnl saveings. the wage gap has women paid less. for a woman of color, it is worse. women of color often approach their retirement years with a negative net worth. here is the kind of dole that the commissioners apparently are being told is a good deal. on one side, we have all the wedgy people making a sacrifice and on the other side, we have all the other people. on one side somebody gives us that third vacation home or yacht and on the other side, hundreds of women get pushed out of the dole and no poverty. we have a wonderful panel to speak with us today. our first speaker is hiedi hiedi is a research professor. without the research, organizations like mine would not have the ammunition to go to the grassroots and explain what is really going on. thank you. this has all of the reasons wrapped up in one document. i wouldn't be being care to my own organization if i didn't point out one of our fact sheets we have available today talking about retired workers and disabl