they have done that in substan sthal cl le shall collaboration with justice and attorneys. the attorney generals have been working on bringing debt cases consistently over the years. yet in a meeting with consumer advocates it was the single topic tat drew the most attention. whatt we need to together. collectively look for ways to do things in new ways, different ways, utilize new tools, new concepts. new ideas. about how we can try and bring about the kinds of changes that we would all look to see. and not only in this area. for i use debt collon example o many areas in which we need to do the kind of collaborative work that others haveerred to. so i want to indicate that we are both humbled and thankful about -- joining with all haof working for -- substantial time on these difficult issues. we we have been invited to the table to fight consumer fraud and violations ofon along with all of them. so, with that and with our commitment to g tools, our new energy and resources to the table joining everyone, let me then, introduce, my friend, david vladic, director of the bure