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[inaudible conversations] [inaudible conversations] [inaudible conversations] [inaudible conversations] [inaudible conversations] lets continue our second panel, and we thank our panelists for being here and for sitting through the first panel. Before i introduce our panelists, let me to say a few words. I think sometimes it is important to take a 30,000foot look at the systems under which we live. And we dont do that often enough. We deal with crisis by crisis. In my view, we are living with the Healthcare System which is broken and which is dysfunctional. We spend twice as much per capita on health care than any other country on earth. 13,000 every year, which is unsustainable. And yet despite that, 85 million americans are uninsured or underinsured. We are seeing in many parts of this country, unbelievably, above and beyond covid a decline in our life expectancy. We have half a million americanv whoever your experience bankruptcy which is related to the medical debt that they have.

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