senator tillas.thank you madam chair and laysieslaysdies and gentlemen of the panel thank you for being here. i'm sorry for being late. it's not for a lack of interest in this. ms. shaw i had a question for you. prior to coming here i was speaker of the house in north carolina and i'm interested in the senior safe program and i would appreciate maine's leadership in that. can you tell me a little bit about any challenges that you all had in the process of implea. ing that program and the benefits? >> i think that the first challenge that we experienced was really getting to the point where the banks and credit un yors unions and the other part is we say this is a no wrong door approach. in other words a report can be made to any of the partners. if a report is made and they determine they do not have jurisdiction, a bank or credit need not be concerned that this is the end of the story. aps has committed that they will then make that referral to our office and either referral it to another agency. if