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Thank you to our panelists. We have an Excellent Program the rest of the day but we will have a quick break before the. Just stay seated and we will get you started. If everyone could take their seats, were going to keep the program rolling. Rolling, rolling, rolling. It is that was a lively and fantastic first panel that cover the waterfront, from credit card reward points to cryptocurrency, from payment nerds to real life, what do you do when you need to access your money. And real life is really the focal point of our next speaker. Director rohit chopra has been running the cfpb. And i like to say whether you agree or disagree with what the cfpb is doing, they are doing. And that itself is a massive accomplishment in washington which i think is often underappreciated. Time in government is finite. The ability to effectuate change is one metric that we ought to judge Public Servants by. We can do a separate weather we think it was changed for the good or ill. But i can think of very

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