Thank you so much. I want to thank all the witnesses. The testimony is just magnificent. If we can keep our responses brief, I have an agenda.
One of the comments that was really shocking to me is that people making decisions can't have skin in the game. I actually disagree.
My first question is for Ms. Farber. I'm wondering if you could provide a key recommendation to our committee to improve the health care system based on your experience. If you had one key recommendation, what would it be?