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[inaudible conversations] [inaudible conversations] good afternoon, everybody. Well good afternoon, everybody. Thank you for joining us on this panel and nice to see familiar faces in the audience, andy, nice to see you. Im excited about the Panel Discussion that weve had today because its a very, very timely issue. This is the topic im excited about talking about here is the issue with working families, inflation, and how we can use fin tech to solve some of povertys pressing problems. Working families are facing a time of rising inflation, energy costs and food costs, everything in everyday life. Workers are too often seeing the paychecks lagging behind and businesses are facing a difficult time hiring, as we enter into this time of economic hardship, we know that households will face financial hardships, and we also know that reducing that hardship is going to require policy makers, forProfit Institutions, not for Profit Institutions and everyone in between to come together to explo

New yorkUnited statesUnited kingdomDistrict of columbiaAaron kleinBrian monahanUs panelPanel discussionEnergy costsProfit institutionsLong runAccess financialFinancial technologiesSeen technologyTechnology disruptFinancial services