Thank you, Mr. Chair.
Thank you, witnesses. I will start with Ms. Bednar and Ms. Hearn.
With regard to some of the increased fees that are coming in and the lack of regulatory oversight for that, do you have any suggestions in the short term to help young entrepreneurs and others in this changing dynamic? It seems to me that it's pretty impossible to put out a business plan when these types of service fees are coming in. I'm not aware of any measurements—for example, from Amazon and others—to show that their business costs have actually increased to the point where they're professing to have to pass those charges on.