Thank you.
Mr. Moody, earlier we had several witnesses who disputed or downplayed the notion that there's a difference in risk or that, just because a person is self-employed or an entrepreneur, they don't really endure risk. It's occurred to me that you forgo all kinds of other protections in law that employees have. You have unlimited liability for anything that your employees might do. Your family's assets are all at risk. You lack access to benefits. You don't get paid for vacation. You don't even get a minimum wage. You might actually work and get paid less than that would allow. In your opening statement—the first time you tried it, anyway—you talked about the differences in risk.
Can you talk about how self-employed people, who have a corporate structure and have to save for their own retirements, do, in fact, endure risk, and how the system is supposed to mitigate some of that risk and allow people an opportunity to save for themselves and for their retirements?