our first panel we have robin beaton, who is a policyholder from walkahatchee, texas. miss peggy raddatz from illinois. and miss wittney horton from los angeles, california. welcome all of you. thank you for coming. it's the policy of the subcommittee to take all testimony under oath. please be advised that you have a right under the rules of the house to be advised by counsel during your testimony. do you wish to be represent the by counsel during your testimony? you're all shaking your heads no? so -- okay. i'm going to ask you to please rise and raise your right hand to take the oath. miss beaton, if you want to sit there, that's okay. do you swear or affirm the testimony you're about to give will be the truth, the whole truth and nothing but the truth in the matter pending before this committee? let the record reflect the witnesses replied in the affirmative. they are now under oath. we will hear a five-minute opening statement from each of you. miss beaton, would you like to start first with an opening? you'd like to be last? miss horton, would you mind being firs