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Benefits of earned wage access. [inaudible conversations] the Senate Committee on banking, housing and anothers will come to order. We apologize for the delay this morning. We dont like to start the hearing blade but sometimes we have to. Thank you for joining. Its good to see all of you. If youve been before the committee or worked around, thank you especially to those of you. The hearing is in a hybrid format and the witnesses are in person. Witnesses have the option to appear in person or virtually. Hardworking payoff for everyone as the American Dream and the dignity of work is all about the concept that was spoken of in the late 19th and early 20th centuries and popularized by doctor king. When work has dignity you can support yourself and your family and future but we all know whats happened over the last four decades. Corporate profits have gone up, the stock market soared, executive compensation has exploded. The wages havent kept up with a costofliving. Millions of workers wit

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