Senate committee on banking, housing, and urban order. Before we begin, i will probably embarrass her, but i will call her out, irene gray is working her last week as a stenographer in the United States senate. She has been here for 20 years and we thank her for quiet, effective, crucial work to preserve the hearings. Even when senator toomey and i dont say much of note, she still has to take it down. Just appreciate your good work for this country and your unsung hero as a unsung hero contracted civil servant. Thank you, thank you. This hearing is in a hybrid format. Four of our witnesses are joining us remotely before senator toomey and me. One or more members may attend through their offices. For millions of americans, the rent was due yesterday and for many the rent keeps going up and up and up. Two weeks ago we heard from witnesses about the soaring costs of housing and how it hurts families priced out of purchasing their first home and imperils the renters who are just one illnes