First of all, as has been said already to the veterans who are with us today, whether in person or virtually, thank you for your service to our country. I really appreciate that all three of you came with ideas and solutions, which is really important when we're doing these kinds of studies.
I'm going to dig in on a couple of things, if I can. I'll start with you, Ms. Vanderveer.
You made the comment that there needs to be better guidance on how business income interacts with benefits. That sounded to me like a polite way of suggesting that perhaps some veterans are seeing their benefits threatened, lost or cut back as a result of earning business income. Could you clarify what you've seen in that regard? If that's so, it's a real problem that I think we need to make sure we address.