I want to thank all our witnesses for being here as we get started back for our second panel of witnesses this morning. I will just quickly go over the fact that we've been looking at this issue over the last year. We've been out to the east and now we're here in the west, and we want to thank you all very much for taking time out of your busy schedules to be here.
We're going to start with Ms. Swanson, and we'll move ourselves across. You have seven minutes for your opening testimony. We'll try to facilitate as many rounds of seven-minute questions and answers as possible, maybe followed by a second round if we have time.
Ms. Swanson, welcome. I believe you're from the Carnegie Community Action Project. We're looking forward to hearing what your thoughts are this morning.