Down 10. 3 but yet, compare that to what the inflation was the same week the year prior the total inflation from 2021 has dropped 22 . In that range. So we are seeing some drop here and we are also seeing softness in the marketplace which probably is indicative of why the inflation. We have the economy and we have representatives from four Different Community organizations. And we will have a chance to ask related questions to hear about the people that you work with. Just stepping back for a second, a little bit about the cross current that are hitting the economy we know on the one hand that americans are back to school and work even if you are not in work laces they are back to work and the economy did come out of the pandemic with some strength. We recently saw a report suggesting unprecedented declines and in children poverty even with the pandemic over the last few decades and that is looking to the future. When i look more towards our retired populations, we have seen two point two 5 Million People retire early. Associated with the pandemic and they do not seem to be coming back to the workforce. We have seen high wage growth among the lowest income workers but, looking, overall, wages have not kept up within inflation and inflation is very high. If we look at who bears the burden, everybody is affected by the high inflation. But of course, it puts special burdens on lower income families as well as on people with fixed incomes if we look at lower income families they spend three quarters of their income on necessities. More than twice the higher income people do. That is prices at food, prices at the pump, and the war in ukraine, it is not obvious that we will see relief there. So what i would like to do is how the people you are serving are experiencing the cost changes. I will start with derek tubbs. He is the ceo of Second Harvest food bank in orlando, florida which is the regents largest hunger relief agency. It distributes more than 250,000 meals per day in Central Florida counties. Derek previously led the Texas Food Bank and austin and he has held Senior Leadership positions at the american ross and such as ibm, software and dell. We are glad youre here with us if you want to hone in on this issue of Food Security and i would like to ask you how high inflation particularly in food is affecting the communities you serve and your and nations ability to serve them. Thank you first of all thank you for the opportunity to sit amongst you and advocate for those individuals who cannot advocate for themselves. It is extremely important important and this is not happen often i cannot express the thankfulness that i have for this. We are all ready to believe that postpandemic life was going to be back to normal but as it turns out, for those who experience hunger or are concerned about hunger, that is not necessarily the case. The food bank of Central Florida is one of several hundred central food banks in feed america across the country and while my story and our story in many cases will be central to Central Florida. About 75 percent of my peer ceos across the country would sit here and tell a very similar story. Through the pandemic, we had a Strong National response we had strong government response and we could not be more excited about it, but the enhanced support with unemployment assistance and stimulus checks and childcare assistance and homeowner assistance was wonderful but now that we have combined it with inflation it means that problems are cropping up again. What is different this time is that the local support that we received during the pandemic is on the decline. America itself estimates during the pandemic around 53 million americans across the country who are not sure where their next meal will come from. Lets wrap our heads around the number that is a lot of people and children. A lot of families and babies do not know where their next meal is coming from in Central Florida about half a million are food insecure and they are not sure where their next meal will come from and the individuals are suffering from a recovery period. Around the fact that most of americans only have 400 set aside for a rainy day. So think of that Rainy Day Fund prepandemic. Think of that through unemployment and the challenges that we saw during the pandemic. Think about how long it would take to recover when you lost a job or when someone in the family lost a job. And that basically brings us to today. In Central Florida, before the pandemic, we distributed about 150,000 meals a day. During the pandemic the number went up to 300,000 meals a day and today, we are leveling off at around 250,000 meals a day. Let me add additional context to that. In 2019 around january a gallon of milk was 2. 90 and today it is over four dollars. Now, if i am someone who is struggling with Food Insecurity at the two dollar 90 set mark to dollar and . 90 mark my ability to recover from that today is somewhat slim. And i dont know about you but we rarely go back to a Grocery Store and see the prices return back to where they were a few years ago. So we hear many stories from our clients we distribute our food through about 500 partnering agencies like soup kitchens, food pantries and the like some of them focus on seniors some focus on providing food for those who are experiencing homelessness. And we have a variety of different kinds of stories. They range from having to sell my food stamps to pay my rent. That is today to the script is flipped. First, there was a shut down and lack of income requirements and now two years later we are paying back everything that before. 40 thousand dollars or 50,000 used to matter and now making 50,000 you can barely get rent paid in Central Florida. That is what we are looking at today and i will probably answer both of your questions that i have with this if you do not mind. [laughter] some of the things we would like to say frequently and i might have been faced with this myself whenever i started the face of hunger is not what we really think. We automatically defaults to a preconceived notion that you are homeless or unemployed or you just do not want to work. When a significant portion of those that depend on our services day in and day out are working families some of them are working double jobs. And they range from seniors they range from early fixed income or now that the pandemic has passed, we are seeing heightened inflation and maybe they are taking care of one of their own children or their grandchildren. It is the same fixed income but the cost is even more. In addition to that, just a normal family that is seen families bring in other families and families combining themselves just so they can make ends meet. Particularly we are talking about the rising cost that is what our clients are seeing and those that depend on us day in and day out. But those challenges our food banks are not meeting those challenges either we are still businesses running day in and out trying to provide the services and we are seeing challenges from the root food sourcing perspective. Tom and i were talking outside and we mentioned the drought that is taking place it has reduced a significant amount of food from farmers and if that food is not there we have problems sourcing that. We mostly banks get food in freeways primarily. There is food that is donated to us throughout retail channels and there is food provided to us from the federal government usda and there is food that we purchase. We would spend around 2. 5 million on an annualized basis prepandemic. This past july, he already sent spent 6 million. That is a 25 percent increase in transportation costs. But 22 trucks on the line every single morning. That is the cost of food we are seeing and trying to cure that and that is also windy increase in demand that we see for food as well. So, those are some of the issues that we are starting to see. Day in and day out. And it is to the point that we do not see anything ending anytime soon. In fact, we are about to go into Holiday Season and every single one of us in this room probably Associates Food family, with the Holiday Season. But there will be millions of americans who will not be able to do that. Millions of children who will not be able to do that based on the Economic Situation that we are seeing so many of them simply have not recovered. And again, thank you for the opportunity to bring this issue to the surface. On behalf of myself and all the others that i represent here. If you do not have questions i do have one followup. I am still struggling a little bit with the hot jobs market wages have grown and Food Security is really fragile and it sounds like no relief in sight so how do i reconcile those things . Im not entirely sure how you reconcile those things. We are asking ourselves the same question. When the need increases, we have been able to scale so far. Again, the challenges simply the challenge is simply around providing services to those who struggle and we are seeing demographics change as well. We used to automatically associate hunger with low income but we are starting to see middleclass be a part of that as well whether it is based on a long recovery period. Because of the pandemic or if it is just simply the challenges they are seeing. 40 of our we see 40 increase in people seeking out our services for the first time i wish you could hear some of their stories i never ever thought i would be here. We were doing fine a couple years ago and now we are literally struggling to make ends meet. The money we have runs out around the third week of the month and thank goodness, we have food banks we can depend on but there is only so much that even we can do because the gap really did not narrow from what we are distributing on a daily basis. [indiscernible] we are seeing that number increase. This is a data question. Of the different services, what fraction of this is elderly, retired, working, or, etc. We are not capturing a significant i have to give you Data Information on that we do not have that information as of today but we what we typically see is we go back to those experiencing homelessness. That was a less than 10 number and what we saw with those that were working that was in the high 60 percentile range pushing 70 working at least one job and in many cases more than that. Those are the numbers we are starting to see. We will get new data probably toward the end of this year, but based on the fact that we are 40 and 60 higher than we were prepandemic the likelihood of the numbers changing radically is slim. It goes back to my question we have people that want to work in a hot labor market but they are not earning enough to have food purity. Yes that is the challenge we are seeing. If youre using up 6 million by july, how do you expect to be able to continue to provide the same level of Service Throughout the rest of this year and into next year . How are you thinking about how be able to continue providing the services to these people in need . Thats a good question. We were very fortunate during the pandemic the community rolled out in ways that were unimaginable. But, now is the time we are spending down on those dollars. We expect at the current rate, we expect it to last another couple of years max. But we do not see the need decreasing next year nor do we see the need increasing in 2024. We are hoping the end of 2024 when they start to see things level off a little bit. Your funding comes from the government and private donations and longterm foundations where does that come from . From the Central Florida perspective the majority of our donations comes from individuals. That is very comforting over 60 comes from individuals. We are hoping that that will continue even though it is starting to decline not a steep incline, but i think a significant portion of that is the thought ross s that for the misconception that this thing is over and it is not. All right, thank you it is important to move next to dr. Brenda holder she is the fifth chancellor of San Jacinto College which is the eighth Largest Community college in texas and a national top five Community College that is recognized by the aspen institute. Before becoming chancellor in 2009, brenda served in a variety of roles executive vice chancellor, executive Vice President for Resource Development and was previously in the corporate world. Brenda, thank you for being here with us. It would be great to hear a little bit about what jobs you are preparing your students for and whether those jobs and skills have shifted. In this postpandemic economy. And, as a result, if you have made changes to your educational offerings to help prepare students from a job market we are seeing today. Thank you and thank you for having me here today i am delighted. The Gulf Coast Region we are outside of houston and we have this fall about dirty 1000 students. We are down about 2000 students 46 since the fall of 2019 is our prior precovid numbers. We serve about 65 of our students are hispanic and about 10 are black and white population is declining about 17 right now. 42 of our students are firstgeneration to college and if i look by demographics, about 40 48 of our hispanic students are firstgeneration in college. They are about 75 on free and reduced lunch. Pretty High Economic needs they are. From the standpoint of breakdown between male and female we lost a lot of males during covid. From the enrollment standpoint. The males have been at 41 and they are down at 38 of enrollment. Almost all the declines were in our male students. We are back working on raising the percentage right now where we are seeing a decline is with our black males coming back to school and really reaching out to them when our enrollment whom i look at the cases of it. Our First Time College students are flat right now. We lost a few from the may 2020 graduates. They do not go anywhere we can see the college growing College Going rate in our community was 52 for covid and those may 2020 graduates it is only 45 . I am really concerned where are they . How do we bring them back . We see increases in First Time College students since then, but we have also seen a decline in our over 25yearold students and so, that is an area where we are really reaching into that to understand whats going on. Of our offerings, about 35 are directly tied to workforce strain and getting into jobs, we are in the heart of maritime, aerospace, and the sciences so those are the major jobs we trained for. We are very lucky for the relationships we have in our community. An essay that, pitcher kim theres in our region and these are great paying jobs. One of our graduates will come out and make 65,000 a first year. And the other thing that is important before covid prepandemic we have very strong relationships with industry. All Community Colleges had advisory committees made up of industry people that served working on curriculum area we also have ed chancellors Advisory Council and our plant managers and vps and ceos were meeting with me and members of my team and we focused strategically on workforce needs. With petrochemical, right before covid we open the 60 million new Training Facility and it was a facility if you talk to industry they would say this is a facility designed by industry for industry it is the day in the life of an operator it takes students all the way through what is really going to happen on a plant even to the point where the last semester with us they are doing shift work. They are doing 24 hour shift at work an eight hour shift so they can a thousands where foot Training Facility but they are doing it just like they are at a plant and it was a totally designed curriculum. The industry wanted to rebrand in our community because you would ask the question about People Living in these areas if these jobs to them. That is what was happening with our youth we did not have a pipeline and so, we worked with industry to redesign how we train and recruited together going into high schools and eighth grade and trying to build these are not the jobs that the parents had where it didnt need a credential. That is important work we have done the same thing with maritime. We are the number one port in the country and we heard all the logistics problems that is exactly what we were trying to avoid. Deckhands, took operators, a Program Designed by industry u. S. Coast guard improved. And many people did not even know about these jobs. The demand is definitely there. How it has changed is through covid, our partners were nervous that we were not doing the tech things on training because there was so much removed. So we made it really clear how we do in a grid. A lot of the electric piece kim can be online but handson you have to come to class to get handson you cannot learn to run a control room from you cannot learn to run a tug if you are not on the simulator. Another area where we saw changes is in Sciences Health sciences and nursing. We always prepared licensed vocational nurses and Associates Degree and we got approved to do a bachelor of science because so many of our hospitals are going to bs in. Through covid, that has all changed. What we are doing right now is working on a pipeline for cnas certified nursing assistants, l begins to get an associate degree and bachelor so our hospitals have a team coach and it has really been when i called them they were like do not stop those programs we need you to build that pipeline. In the state of texas, something that has been creative that is just starting is our Texas Workforce commission or boolean alvarez has set aside 15 million so we can have this ship in apprenticeships in nursing programs. The students were unpaid and right now that is being redesigned so that our hospitals will have state resources to do mentorships. It has really been all relationship building. Tell us how its changed and lets figure out how we will redesign this together and it has really served us well, we had a big Industry Forum yesterday about 800 people were focused on petra and maritime the demand for the jobs is they are the biggest thing is making sure how we get the aptitude and skills and how do we build the attitude. Building a Safety Culture and time management, all of the soft skills that you hear about your building those into the curriculum and that is what we keep hearing about from our partners. When i hear about the demand, the same thing i heard on that side, their retirement our companies have about 20 or 25 of their production people ready to retire they want our pipeline people they say do not pull back are hiring. So they are pretty much hiring every recruited we can put out. It is about 95 . And 65,000 is your starting wage which is pretty impressive. The challenges i can move to the second question of barriers. The Higher EducationEmergency Relief Fund that was provided to colleges has been amazing. What we were able to do with that we received about 78 million of that about 40 million went directly to students so they could finish courses. We wrote off debt and we had them retake classes they failed the first semester of covid and we had them retake classes for free. We got additional training funds for people in texas so that we could take people who had some college and had not completed it and we were able to pay for that so we been able to provide resources to get people trained and to help support them. That is all running out. As you heard about the food needs, we have food pantries on everyone on campus we are distributing food we have free cafe meals for our students our High School Students that were on economic free and reduced lunches. Mental Health Counseling is a huge resource that we put into place and our Community Partners are so important in making sure we have those resources. But so much of that is running out. And from a budgeting standpoint, we received funds sometimes from the state about 24 and the rest of our budget is lit between taxes and tuition and fees. We have not had a tuition in tuition fee increase in five years we need to have one next year. I cannot stain the salaries i am having to pay and the cost of upgrading without that. But taxes have been our property tax revenues are really increasing and we are very we operate very much from a conservative standpoint. Trying to be we realize that taxpayers are huge supporters so we have a great partnership. But i see tuition and fees having an increase next year and just so you know, we are economical, our tuition rates are 78 semester semester credit hour you can go fulltime with us for less than 1300 per semester. And we also put in place and we started before covid we put it in place and we expanded open Educational Resources so we have saved our students 26 million in costs related to books because we have gone all online. Everything we are focused on is how we reduce cost to students but deliver an excellent credit. So that is kind of the summary. There is a lot happening and i see critical potential that it really is how do we help people see it got to get the skill sets to get these jobs. Sometimes we dont use apprenticeships because its got baggage with it at times because there is reporting requirements, but we get creative in the model. They do pay those. They are on our campus observing our courses. I need faculty who are uptodate on practices. Our faculty wrote a paper on what they need assistance with and go to an internship end industry pays for them to be at their plant. The support from industry is amazing. We had a job fair last week where 33 companies came out. They are helping students write resumes and get interviews. What is your organizations hypothesis about the differential with respect to men and women returning to school, or your campuses, or not. One of the things there is always a hypothesis, right . One of the things we did through covid is we had and 600 employees calling out to our students. Since that time, those two years, we have made over 60,000 calls. We just wanted to check in. At first, the males, it was more , i need to work and i cannot juggle this. Right now, it seems to be more within. It is more, i need to take care of the family. It is all over the place. I have been concerned about our male enrollment. That has been just one of those trends we have seen. It is really, how do we better serve the male student . Is there something they need from us . Those are conversations we are having. About 40 of our students are parenting students. They need childcare support. We have used funds from perkins funds. We used to make it where we were paying it after the fact. They could not front the money, so the reasons are all over the place. Everything we keep doing is ok. How to be put Holistic Student Services in place. I am going to move now to nancy. Nancy lamont is responsible for advancing aarps social mission on behalf of americans over 50. She leads the federal and state advocacy work and also oversees Public Education programs and Community Engagement volunteer efforts in multicultural outreach. We have benefited greatly from nancys insights. Welcome back and we really appreciate your insight. My first question relates to our earlier discussion, where are these early retirees . What is it that led them to retire that might be different than prepandemic . Are any of them coming back . Let me join the chorus of people thinking you all for inviting me. I appreciate coming back. I want to add the importance of these listening sessions. You are one of the first to do that and i applaud you. You have been to a lot of sessions where you listen to people and we had some four months ago and i tuned in thinking more of the same and it was not. Women over the age of 50, women between 50 and 60. Their message was, we are invisible. Invisible to elected officials. Invisible to people in washington. I wish they would walk in my shoes. To the extent we can, it is hugely important, and we do not acknowledge that enough. We launched an effort called in my shoes where we invite people to send a message. We got 31,000 stories within a few days. I mention this because sometimes we think of these sessions as not having an impact and i know they do. I appreciate that, but onto the topic you want to talk about. First off, it is hard to overstate how important covid was to Older Americans. We turned on the news every night and heard we were the most vulnerable. We turned on the news and saw the majority of deaths were people who looked like me and were about my age. All of the surveys about everybody wanting to get back to work and back to restaurants, we were farther behind with that. And now, it is a little different, but it depends on where you live. I cannot stress that too much. I have a cadre of 20,000 volunteers who work with us across the country. You get on the phone at people in some parts of the country say, why dont you just fly out here and do events . I cant get my staff to come to washington, d. C. Let alone sending them out to south dakota. I mention that because this is the environment in which we are operating and it is the environment that come into your question, produced a good part of the great resignation. More people in the older age cohort retired early into the pandemic. There were a number of reasons for that. Some were that jobs disappeared. Especially where older women were working. That was part of it. The second for direct Health Concerns and risks. I do not think that would surprise anyone. Third, caregiving needs. Before the pandemic, there were 48 Million People in the United States who were family caregivers. Almost overnight, that number grew. Not just for the person you might have been caring for before the pandemic, but especially Older Americans were taking care of their kids and grandkids. They were teaching. All of that accelerated what we have called the great early retirement boom. The fact of the matter is, and i hesitate to say this, we did not see a dramatic increase in claims for social security. A little bit of an increase, not as dramatic as you would have thought. What we took from that was the notion that this may not be permanent. This may not be a permanent setback, but it is going to be very important. There is an increase of older people going back to work. Data shows that is not to the prepandemic level, but it is moving in that direction. There are several reasons for that. First is, like everyone, people have cooped up in their homes. We are seeing an uptick in volunteers as well. Not just going back to work, but trying to get back to the volunteer workforce and a lot of people looking for opportunities to serve our constituency. We are seeing more interest in going back to work. Another factor in that is if you are on a fixed income or you are not working at all, you need to go back. There have been a huge number of stories about how we, older boomers, are sitting around with all these resources trying to decide on our favorite alma mater and our favorite child to give them to. The fact of the matter is that is not the dominant group. Half of the people over age 65 are living on social security. Or savings. Thats about half of people in a situation where, particularly in the current economy, they have to think about work. Thinking about work either going back fulltime or parttime. We all think it was a gig economy was invented for millennials. The truth is even before the pandemic, you saw an awful lot of older socalled retirees as uber drivers. The largest cohort of airbnb hosts were women over 55 we will probably see that as the pandemic receipts. Airbnb is seeing more older people put homes up and i think that we will continue. I guess the question is, the great imponderable is, will businesses turn to Older Workers . We know age discrimination is real. We do so many surveys that i think we shouldnt do anymore because they show us that most people over 50 believe there is age discrimination. Because there is. Looking for opportunities, we are meeting later this week the secretary of labor, secretary walsh, a leader as the mayor of boston, working on behalf of older bostonians to look at the programs that are being put in place. Look at apprenticeship programs to make sure there are opportunities for Older Workers. By Older Workers i do not just mean over 60. Believing Popular Culture is always ahead of us, you may have seen this. It circulated widely. King charles, 73yearold man finally gets job. [laughter] it was very popular in my network, i dont know about you. We really have to continue to slog away at age discrimination. Ironically, the pandemic made organizations like ours and others work towards Digital Literacy among Older Americans. It became necessary if you wanted to get a covid shot. And now if you have got those skills, it is easier to move back into the labor force. Finally, when i think about how people think about retirement, i remember a new yorker cartoon, the husband and wife looking at each other and one says to the other, we will just squeak by if we take a late retirement and an early death. [laughter] my second question, last time you were here we were talking about the difficulty of living on savings with low Interest Rates and a low inflation environment. And here we are. A lot of folks we are with are on fixed incomes, but you have high inflation environment said height Interest Rate environments. I am interested in hearing how our seniors dealing with this new environment of high inflation . It wont surprise you, certainly Older Americans are very sensitive right now to costs. In terms of, as we talk to our members, food prices are probably the highest. Gas prices are still high, even though our folks probably are not driving as much. The third area is medical costs. We work for a number of years on Prescription Drug costs, because that is what our members told us was terribly important to them. We used a graphic of, if milk and bread have risen as much as Prescription Drug prices, a loaf of bread would be 13. Im glad we got the bill through before anybody is doing graphics on what things cost now. It cemented for us this notion that, particularly if you are older, healthcare costs, medical costs are far more dominant factors in what you are focused on. I would say, one of the things i have taken from this period as we have talked to our members, is the ongoing concern which will will go beat will go well beyond this period, how are people going to pay for longterm care . Everybody is focused on care in the home, as if that is easier and cheaper. We all know it is not. That is the abiding question for particularly Older Americans and their families as we move ahead. We are going to have her go questions to get wendy in, then we will come back if we have an extra minute at the end. I want to now moved to wendy. Wendy is board president for farmworkers, Housing Development corporation, a nonprofit in woodburn, oregon. Provides leadership for stronger and more secure families through affordable housing, social services, education and economic development. Wendy is a thirdgeneration latina oregonian and received her ba in Business Administration from eastern art university. I wanted to start by asking you what you are seeing in terms of lower income household possibility to keep up with rent payments and other financial obligations and what are the obstacles these families are facing in terms of establishing some amount of financial security. Thank you for having me, i am pleased to be here to share the voice of our low income residents across the country. It is similar to what you are hearing. Folks are struggling. When we talk about those that before the pandemic were barely making ends meet, then compress the pandemic, they got further and further behind. We are seeing very difficult choices. A portion of the residence we serve, about half of their income is dedicated to housing. And we provide affordable housing, so they are having to make difficult choices about what they do with their wages. What we consider critical, essential items in our life, medical care, prescriptions, education for our children, whether that is trade or whatever we call this, these are all difficult decisions. It is in a place where families are working and children are working. It is becoming increasingly difficult for them. In terms of barriers, one of the two barriers is language. We learned in the pandemic that communities of color were disproportionately impacted by covid. Part of the work we did, we took a little bit of the cause and looking for positions. What we had to do was really provide a tremendous amount of education around health care and certainly covid. Language is key to that. We were unprepared in that way, as much as we had wished that were different. But that is a good lesson. Another factor is, and i am going to expand a little bit, we are seeing low income and middle income families struggling. When we talk about it, that is really important. These are working families, families with young children, multigenerational families, seniors, and we are seeing that struggle. One of the struggles is when we think about, ultimately in the fact, and in many aspects, i was at a groundbreaking a month ago for our colonial community of peace. In the willamette valley. One of the new residents spoke in what he said is, what is your dream . He had just movein moved in with his family of three. He said the dream is to own a home. That is what we want our residents. We take a holistic approach and provide education and Financial Literacy at nation, what it takes to get a mortgage. Part of that is being driven because if language is a barrier, we do not want them taking their kids out of school to go to the bank with them. We want them to have the information being formed. When he said that commit its touched me because part of the programs that are provided today have a cap on how much you can make. That is a struggle for working families and savings, but recognizing theres still so much you can make and anything above that disqualifies you for really excellent loan programs. That is a real opportunity for us to revisit. Access to downpayments, loan programs. The other two we are also seeing is them and we heard a little about it today, working to part of the program has always been to provide them connections for workforce development. They do want to move out of these very minimumwage jobs and they want to. Working towards stronger partnerships that serve this specific community, because it is a little bit different. I think thats one of the areas we would like to see. And then of course, health care services. One of the other lessons we learned in the pandemic was that the children of those families came to us and said, we have a serious problem with mental health. That was something that was new to us. I think across the country. Working strongly with our School District and other Community Partners to bring in the right resources for our children. I think that was an area that looking forward it is an important area for us, that we will continue to partner with. Let me just ask, the ability of your organization to provide housing security for your families and your community, i am sure there were challenges before the pandemic. How have those challenges changed as a result of the pandemic . Are there new challenges, or do you have to face those challenges differently . They certainly have changed. I am deeply humbled that the Federal Reserve board of governors wants to hear our voice. As nancy alluded to, you were one of the first we now have a seat at many tables we did not have before. There has been an increase in two way communication. We had strong Community Partnerships. Many of us have been doing this work for many years. I am a volunteer, but many of us have an advocate and sharing our voice. We had new partners come to the table. New invitations. That is what i call one of the Silver Linings of the pandemic. The challenge will be to maintain that. There was tremendous generosity during the pandemic. Echoing some of the comments earlier, it is how do we maintain those relationships . How do we maintain those direct channels with generous donors . With key partners . How do we develop new relationships that will serve our community . One of the lessons we learned is when we provide the right resources and the right, we give people a hand and they will lift themselves up. I think that is one of the things that came out of the pandemic. Two way communication partnerships. The other real challenges we took a pause on land acquisition. We were so focused on responding that we took a pause. We have the same challenges in the nonprofit world. With maintaining and recruiting. It is a thread that is within our organizations we all have dedicated, passionate individuals. However as a nonprofit, we cannot eat with the private sector and we certainly support our employees that want to move on to better paying jobs and benefits. That was a challenge for us as well. But when we are going through this kind of pause and we are refocusing on that, we are not competing, and someone else mentioned the construction never stopped. It has really picked up. As a nonprofit, we are with private developers for limited space. That is very challenging for us in terms of the barrier we need to overcome. Particularly because we have an organization that is a culturally specific organization and we are sensitive to the residence. We hear from them, we provide services, they have their own leadership council. There is a very holistic approach versus a private developer and what they are trying to account, which looks slightly different than what we are trying to accomplish. I think that is another very significant barrier that we are dealing with today and will continue. The key to that will be the partnerships. We have wonderful partnerships with cities, counties and states. Utilities. There is still work to be done. We might have time for one question, if any of my colleagues have a question . Otherwise, thank you so much and i will hand it back over to the chair. Thank you to our panel. This has been informative. We get to spend a lot of time with data here at the fed, but i personally would say i need to hear narrative. I need to hear stories. So i think in that sense we all learned a lot from you today would we appreciate your time and your input is very important to the work we do. We are very grateful to your contributions. Thank you. Thank you