i don t put any faith in any estimate that goes over six months. having said that, they don t say it is fully paid for. well, what the cbo estimated today is a hypothetical bill that is not build back better. the cbo, the joint committee on taxation, the official scorekeepers have looked at the bill and said it s fully paid for. but to go to your question, we faced challenges of rising costs of healthcare, rising costs of housing well before this pandemic. they were imposing real challenges on american families even when we were in the prepandemic economy. these challenges are not new but the opportunity we have to address them in a way that won t add to inflationary pressures is pressing right now. that s the logic of this bill. particularly take housing. we have underunvested in the supply of affordable housing for years now. doing that now will help lowter cost of housing for american families. if we pay for it, it won t add