Thank you.
You both talked about the emphasis on research and how research could guide us around some of the policies that we could develop, whether it's on regulation or government policies for providing better access to services.
Can you talk about some of those policies—specifically federal government policies? How could we marry the research that you've done, specifically around resiliency and protected categories, with federal government policies?
You both have about a minute and a half to go.
We can start with Professor Afifi.