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afternoon and welcome to connecting afternoon and welcome to connecting communities<00:00:18.680><c> thank</c><00:00:18.840><c> you</c><00:00:18.920><c> for</c><00:00:19.080><c> joining</c><00:00:19.400><c> us</c><00:00:19.560><c> for</c>

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communities thank you for joining us for communities thank you for joining us for today's<00:00:20.119><c> webinar</c><00:00:20.680><c> the</c><00:00:20.840><c> economic</c><00:00:21.320><c> well-being</c>

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today's webinar the economic well-being today's webinar the economic well-being of<00:00:21.920><c> us</c><00:00:22.240><c> households</c><00:00:22.720><c> in</c><00:00:23.240><c> 2023</c><00:00:24.240><c> I</c><00:00:24.359><c> am</c><00:00:24.480><c> Whitney</c>

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of us households in 2023 I am Whitney of us households in 2023 I am Whitney Felder<00:00:25.240><c> marketing</c><00:00:25.599><c> and</c><00:00:25.800><c> communication</c> Felder marketing and communication Felder marketing and communication specialist<00:00:26.840><c> at</c><00:00:27.039><c> F</c><00:00:27.199><c> communities</c><00:00:27.720><c> and</c><00:00:27.840><c> I</c><00:00:27.920><c> will</c>

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specialist at F communities and I will specialist at F communities and I will serve<00:00:28.279><c> as</c><00:00:28.400><c> your</c><00:00:28.560><c> moderator</c><00:00:28.960><c> for</c><00:00:29.119><c> today's</c> serve as your moderator for today's serve as your moderator for today's session

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session session today's<00:00:31.119><c> discussion</c><00:00:31.480><c> will</c><00:00:31.640><c> be</c><00:00:31.759><c> led</c><00:00:32.279><c> by</c> today's discussion will be led by today's discussion will be led by experts<00:00:32.880><c> from</c><00:00:33.000><c> the</c><00:00:33.120><c> Federal</c><00:00:33.480><c> Reserve</c><00:00:33.840><c> Board</c>

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experts from the Federal Reserve Board experts from the Federal Reserve Board of<00:00:34.320><c> Governors</c><00:00:35.320><c> and</c><00:00:35.440><c> I'd</c><00:00:35.600><c> like</c><00:00:35.719><c> to</c><00:00:35.879><c> quickly</c>

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of Governors and I'd like to quickly of Governors and I'd like to quickly introduce<00:00:36.760><c> them</c><00:00:37.320><c> we</c><00:00:37.480><c> first</c><00:00:37.760><c> have</c><00:00:38.040><c> Jeff</c><00:00:38.280><c> lore</c>

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introduce them we first have Jeff lore introduce them we first have Jeff lore he<00:00:39.120><c> is</c><00:00:39.280><c> the</c><00:00:39.399><c> chief</c><00:00:39.640><c> of</c><00:00:39.840><c> consumer</c><00:00:40.280><c> and</c> he is the chief of consumer and he is the chief of consumer and community<00:00:40.879><c> research</c><00:00:41.280><c> at</c><00:00:41.440><c> the</c><00:00:41.600><c> board</c><00:00:42.600><c> we</c><00:00:42.760><c> have</c>

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community research at the board we have community research at the board we have Alisia<00:00:43.760><c> Yuro</c><00:00:44.280><c> and</c><00:00:44.440><c> Ellen</c><00:00:44.760><c> Murray</c><00:00:45.640><c> both</c>

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Alisia Yuro and Ellen Murray both Alisia Yuro and Ellen Murray both principal<00:00:46.480><c> Economist</c><00:00:47.000><c> in</c><00:00:47.120><c> the</c><00:00:47.280><c> consumer</c><00:00:47.640><c> and</c> principal Economist in the consumer and principal Economist in the consumer and community<00:00:48.280><c> research</c><00:00:48.760><c> division</c><00:00:49.120><c> at</c><00:00:49.320><c> the</c><00:00:49.440><c> board</c>

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community research division at the board community research division at the board and<00:00:50.600><c> finally</c><00:00:51.000><c> we</c><00:00:51.120><c> have</c><00:00:51.360><c> Anna</c><00:00:52.079><c> tralia</c><00:00:53.079><c> business</c>

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and finally we have Anna tralia business and finally we have Anna tralia business analyst<00:00:53.879><c> in</c><00:00:54.079><c> consumer</c><00:00:54.520><c> and</c><00:00:54.719><c> Community</c> analyst in consumer and Community analyst in consumer and Community Affairs<00:00:55.640><c> at</c><00:00:55.800><c> the</c>

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Affairs at the Affairs at the board<00:00:57.520><c> um</c><00:00:57.760><c> now</c><00:00:58.039><c> before</c><00:00:58.239><c> we</c><00:00:58.399><c> get</c><00:00:58.600><c> started</c><00:00:59.399><c> if</c><00:00:59.519><c> we</c>

0:59

board um now before we get started if we board um now before we get started if we could<00:00:59.719><c> move</c><00:01:00.160><c> to</c><00:01:00.280><c> slide</c><00:01:00.600><c> four</c><00:01:00.960><c> where</c><00:01:01.079><c> we</c><00:01:01.160><c> can</c> could move to slide four where we can could move to slide four where we can take<00:01:01.519><c> care</c><00:01:01.680><c> of</c><00:01:01.840><c> just</c><00:01:02.000><c> a</c><00:01:02.160><c> few</c><00:01:02.800><c> housekeeping</c>

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items views expressed during this items views expressed during this session<00:01:09.119><c> are</c><00:01:09.360><c> those</c><00:01:09.560><c> of</c><00:01:09.720><c> the</c><00:01:09.880><c> speakers</c><00:01:10.400><c> and</c> session are those of the speakers and session are those of the speakers and are<00:01:10.680><c> intended</c><00:01:11.080><c> for</c><00:01:11.360><c> information</c><00:01:11.960><c> purposes</c>

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are intended for information purposes are intended for information purposes only<00:01:13.119><c> they</c><00:01:13.240><c> do</c><00:01:13.439><c> not</c><00:01:13.720><c> necessarily</c><00:01:14.320><c> represent</c>

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only they do not necessarily represent only they do not necessarily represent the<00:01:14.880><c> views</c><00:01:15.240><c> of</c><00:01:15.360><c> the</c><00:01:15.439><c> Federal</c><00:01:15.759><c> Reserve</c><00:01:16.200><c> System</c>

1:16

the views of the Federal Reserve System the views of the Federal Reserve System or<00:01:17.200><c> fed</c><00:01:17.960><c> communities</c><00:01:18.960><c> microphones</c><00:01:19.600><c> have</c><00:01:19.759><c> been</c>

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or fed communities microphones have been or fed communities microphones have been muted<00:01:20.960><c> please</c><00:01:21.240><c> use</c><00:01:21.560><c> the</c><00:01:21.759><c> question</c><00:01:22.040><c> and</c><00:01:22.240><c> answer</c>

1:22

muted please use the question and answer muted please use the question and answer feature<00:01:22.920><c> throughout</c><00:01:23.240><c> the</c><00:01:23.360><c> session</c><00:01:23.680><c> to</c><00:01:23.880><c> submit</c> feature throughout the session to submit feature throughout the session to submit your<00:01:24.520><c> question</c><00:01:25.520><c> we</c><00:01:25.680><c> promise</c><00:01:26.000><c> to</c><00:01:26.119><c> get</c><00:01:26.240><c> to</c><00:01:26.439><c> as</c>

1:26

your question we promise to get to as your question we promise to get to as many<00:01:26.880><c> questions</c><00:01:27.280><c> as</c><00:01:27.479><c> possible</c><00:01:27.880><c> during</c><00:01:28.119><c> the</c> many questions as possible during the many questions as possible during the Q&amp;A<00:01:28.720><c> portion</c><00:01:29.000><c> of</c><00:01:29.159><c> today's</c><00:01:29.479><c> presentation</c>

1:30

Q&amp;A portion of today's presentation Q&amp;A portion of today's presentation I<00:01:31.079><c> invite</c><00:01:31.320><c> you</c><00:01:31.439><c> to</c><00:01:31.600><c> keep</c><00:01:31.759><c> the</c><00:01:31.920><c> conversation</c> I invite you to keep the conversation I invite you to keep the conversation going<00:01:33.119><c> and</c><00:01:33.280><c> engage</c><00:01:33.640><c> with</c><00:01:33.799><c> us</c><00:01:33.960><c> on</c><00:01:34.280><c> X</c><00:01:34.720><c> formerly</c>

1:35

going and engage with us on X formerly going and engage with us on X formerly known<00:01:35.479><c> as</c><00:01:35.640><c> Twitter</c><00:01:36.320><c> using</c>

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known as Twitter using known as Twitter using thehc<00:01:38.560><c> connected</c><00:01:39.000><c> communities</c><00:01:40.000><c> and</c><00:01:40.240><c> visit</c><00:01:40.520><c> B</c>

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thehc connected communities and visit B thehc connected communities and visit B communities.<00:01:41.560><c> org</c><00:01:41.799><c> for</c><00:01:41.960><c> a</c><00:01:42.119><c> variety</c><00:01:42.520><c> of</c><00:01:42.640><c> CD</c>

1:43

communities. org for a variety of CD communities. org for a variety of CD articles<00:01:43.960><c> resources</c><00:01:44.479><c> and</c><00:01:44.680><c> data</c><00:01:45.079><c> from</c><00:01:45.240><c> across</c>

1:45

articles resources and data from across articles resources and data from across the<00:01:45.600><c> Federal</c><00:01:46.040><c> Reserve</c><00:01:46.719><c> System</c><00:01:47.719><c> and</c><00:01:48.079><c> finally</c>

1:48

the Federal Reserve System and finally the Federal Reserve System and finally this<00:01:48.799><c> session</c><00:01:49.159><c> will</c><00:01:49.320><c> be</c><00:01:49.560><c> recorded</c><00:01:50.479><c> and</c><00:01:50.680><c> the</c>

1:50

this session will be recorded and the this session will be recorded and the presentation<00:01:51.479><c> and</c><00:01:51.640><c> the</c><00:01:51.799><c> video</c><00:01:52.640><c> and</c><00:01:52.799><c> all</c>

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presentation and the video and all presentation and the video and all resources<00:01:53.600><c> will</c><00:01:53.759><c> be</c><00:01:53.960><c> available</c><00:01:54.280><c> on</c><00:01:54.479><c> bed</c> resources will be available on bed resources will be available on bed communities.<00:01:55.360><c> org</c><00:01:55.680><c> within</c><00:01:55.920><c> the</c><00:01:56.079><c> next</c><00:01:56.280><c> two</c>

1:56

communities. org within the next two communities. org within the next two weeks<00:01:57.479><c> um</c><00:01:57.640><c> usually</c><00:01:57.960><c> up</c><00:01:58.079><c> today</c><00:01:58.399><c> so</c><00:01:58.680><c> the</c><00:01:58.799><c> next</c>

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weeks um usually up today so the next weeks um usually up today so the next two<00:01:59.119><c> weeks</c><00:02:00.000><c> I</c><00:02:00.079><c> will</c><00:02:00.399><c> now</c><00:02:00.719><c> like</c><00:02:00.880><c> to</c><00:02:01.000><c> turn</c><00:02:01.240><c> this</c>

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two weeks I will now like to turn this two weeks I will now like to turn this presentation<00:02:02.000><c> over</c><00:02:02.200><c> to</c><00:02:02.399><c> Ellen</c><00:02:02.680><c> Murray</c><00:02:03.360><c> Ellen</c>

2:03

presentation over to Ellen Murray Ellen presentation over to Ellen Murray Ellen the<00:02:03.920><c> floor</c><00:02:04.200><c> is</c>

2:11

yours thank you Whitney we're really yours thank you Whitney we're really happy<00:02:11.280><c> to</c><00:02:11.360><c> be</c><00:02:11.480><c> able</c><00:02:11.640><c> to</c><00:02:11.760><c> share</c><00:02:12.040><c> these</c><00:02:12.200><c> results</c> happy to be able to share these results happy to be able to share these results with<00:02:12.760><c> you</c><00:02:13.120><c> today</c><00:02:14.120><c> um</c><00:02:14.360><c> if</c><00:02:14.480><c> you</c><00:02:14.599><c> can</c><00:02:14.800><c> turn</c><00:02:15.519><c> to</c>

2:15

with you today um if you can turn to with you today um if you can turn to slide<00:02:16.640><c> six</c><00:02:17.640><c> um</c><00:02:18.640><c> we'll</c><00:02:19.319><c> um</c><00:02:20.319><c> I</c><00:02:20.440><c> want</c><00:02:20.560><c> to</c><00:02:20.720><c> talk</c>

2:20

slide six um we'll um I want to talk slide six um we'll um I want to talk about<00:02:21.239><c> some</c><00:02:21.400><c> of</c><00:02:21.640><c> the</c><00:02:21.959><c> approach</c><00:02:22.360><c> that</c><00:02:22.480><c> we</c><00:02:22.599><c> have</c> about some of the approach that we have about some of the approach that we have taken<00:02:23.040><c> with</c><00:02:23.200><c> the</c><00:02:23.280><c> shed</c><00:02:23.560><c> survey</c><00:02:24.239><c> um</c><00:02:24.360><c> this</c><00:02:24.480><c> is</c>

2:24

taken with the shed survey um this is taken with the shed survey um this is our<00:02:24.760><c> 11th</c><00:02:25.160><c> year</c><00:02:25.440><c> conducting</c><00:02:25.800><c> the</c><00:02:25.959><c> survey</c><00:02:26.680><c> we</c>

2:26

our 11th year conducting the survey we our 11th year conducting the survey we survey<00:02:27.160><c> a</c><00:02:27.319><c> nationally</c><00:02:27.720><c> representative</c> survey a nationally representative survey a nationally representative sample<00:02:28.599><c> of</c><00:02:28.760><c> over</c><00:02:29.000><c> 11,000</c><00:02:29.599><c> people</c><00:02:30.200><c> each</c><00:02:30.400><c> year</c>

2:31

sample of over 11,000 people each year sample of over 11,000 people each year and<00:02:31.319><c> the</c><00:02:31.440><c> results</c><00:02:31.760><c> we're</c><00:02:31.959><c> presenting</c><00:02:32.319><c> today</c> and the results we're presenting today and the results we're presenting today focus<00:02:33.000><c> on</c><00:02:33.120><c> the</c><00:02:33.239><c> most</c><00:02:33.480><c> recent</c><00:02:33.800><c> survey</c><00:02:34.160><c> which</c><00:02:34.280><c> we</c>

2:34

focus on the most recent survey which we focus on the most recent survey which we fielded<00:02:34.840><c> in</c><00:02:34.959><c> late</c><00:02:35.239><c> October</c><00:02:35.680><c> of</c><00:02:35.840><c> 2023</c><00:02:36.840><c> so</c><00:02:37.000><c> they</c>

2:37

fielded in late October of 2023 so they fielded in late October of 2023 so they give<00:02:37.280><c> us</c><00:02:37.400><c> a</c><00:02:37.560><c> picture</c><00:02:37.920><c> of</c><00:02:38.040><c> the</c><00:02:38.200><c> financial</c> give us a picture of the financial give us a picture of the financial circumstances<00:02:39.319><c> of</c><00:02:39.480><c> us</c><00:02:39.800><c> adults</c><00:02:40.599><c> as</c><00:02:40.720><c> they</c>

2:40

circumstances of us adults as they circumstances of us adults as they headed<00:02:41.200><c> into</c><00:02:41.440><c> the</c><00:02:41.560><c> new</c>

2:42

headed into the new headed into the new year<00:02:43.879><c> um</c><00:02:44.080><c> the</c><00:02:44.200><c> goals</c><00:02:44.480><c> of</c><00:02:44.640><c> the</c><00:02:44.800><c> survey</c><00:02:45.440><c> are</c><00:02:45.720><c> that</c>

2:45

year um the goals of the survey are that year um the goals of the survey are that we<00:02:46.040><c> combine</c><00:02:46.560><c> subjective</c><00:02:47.239><c> and</c><00:02:47.480><c> objective</c>

2:47

we combine subjective and objective we combine subjective and objective information<00:02:48.440><c> for</c><00:02:48.640><c> a</c><00:02:48.760><c> fuller</c><00:02:49.159><c> picture</c><00:02:49.480><c> on</c><00:02:49.720><c> how</c>

2:50

information for a fuller picture on how information for a fuller picture on how people<00:02:50.239><c> are</c><00:02:50.360><c> fairing</c><00:02:51.080><c> financially</c><00:02:52.080><c> we</c><00:02:52.239><c> also</c>

2:52

people are fairing financially we also people are fairing financially we also ask<00:02:52.760><c> about</c><00:02:52.959><c> people's</c><00:02:53.239><c> motivations</c><00:02:53.879><c> for</c><00:02:54.000><c> their</c> ask about people's motivations for their ask about people's motivations for their financial<00:02:54.599><c> decisions</c><00:02:55.040><c> such</c><00:02:55.200><c> as</c><00:02:55.319><c> the</c><00:02:55.519><c> reasons</c>

2:55

financial decisions such as the reasons financial decisions such as the reasons why<00:02:56.159><c> people</c><00:02:56.560><c> rent</c><00:02:57.560><c> and</c><00:02:57.640><c> we</c><00:02:57.760><c> have</c><00:02:57.879><c> the</c>

2:58

why people rent and we have the why people rent and we have the flexibility<00:02:58.560><c> to</c><00:02:58.720><c> cover</c><00:02:59.040><c> some</c><00:02:59.200><c> new</c><00:02:59.360><c> and</c> flexibility to cover some new and flexibility to cover some new and emerging<00:03:00.040><c> issues</c><00:03:00.400><c> for</c><00:03:00.599><c> example</c><00:03:01.040><c> this</c><00:03:01.159><c> year</c><00:03:01.319><c> we</c>

3:01

emerging issues for example this year we emerging issues for example this year we added<00:03:01.800><c> new</c><00:03:02.040><c> questions</c><00:03:02.480><c> on</c><00:03:02.680><c> food</c><00:03:03.120><c> sufficiency</c>

3:04

added new questions on food sufficiency added new questions on food sufficiency on<00:03:04.720><c> caring</c><00:03:05.000><c> for</c><00:03:05.239><c> children</c><00:03:05.560><c> and</c><00:03:05.720><c> for</c><00:03:05.879><c> aging</c><00:03:06.159><c> or</c>

3:06

on caring for children and for aging or on caring for children and for aging or disabled<00:03:06.799><c> adults</c><00:03:07.599><c> and</c><00:03:07.760><c> on</c><00:03:07.920><c> homeowners</c>

3:08

disabled adults and on homeowners disabled adults and on homeowners insurance<00:03:08.799><c> and</c><00:03:08.959><c> we'll</c><00:03:09.120><c> touch</c><00:03:09.360><c> on</c><00:03:09.480><c> some</c><00:03:09.640><c> of</c><00:03:09.799><c> the</c> insurance and we'll touch on some of the insurance and we'll touch on some of the results<00:03:10.239><c> from</c><00:03:10.480><c> those</c><00:03:10.640><c> new</c><00:03:10.879><c> questions</c><00:03:11.319><c> in</c><00:03:11.480><c> our</c>

3:11

results from those new questions in our results from those new questions in our presentation presentation presentation today<00:03:13.760><c> um</c><00:03:13.959><c> finally</c><00:03:14.239><c> I</c><00:03:14.319><c> want</c><00:03:14.440><c> to</c><00:03:14.560><c> note</c><00:03:14.799><c> that</c><00:03:15.000><c> all</c>

3:15

today um finally I want to note that all today um finally I want to note that all the<00:03:15.319><c> reports</c><00:03:16.120><c> um</c><00:03:16.280><c> from</c><00:03:16.560><c> the</c><00:03:16.799><c> the</c><00:03:16.920><c> 11</c><00:03:17.239><c> years</c><00:03:17.400><c> of</c>

3:17

the reports um from the the 11 years of the reports um from the the 11 years of the<00:03:17.640><c> survey</c><00:03:18.040><c> and</c><00:03:18.280><c> the</c><00:03:18.599><c> underlying</c><00:03:19.080><c> data</c><00:03:19.400><c> are</c>

3:19

the survey and the underlying data are the survey and the underlying data are publicly<00:03:20.040><c> available</c><00:03:20.400><c> on</c><00:03:20.519><c> the</c><00:03:20.640><c> board's</c> publicly available on the board's publicly available on the board's website<00:03:21.640><c> and</c><00:03:21.760><c> you</c><00:03:21.879><c> can</c><00:03:22.040><c> see</c><00:03:22.400><c> the</c><00:03:22.959><c> the</c><00:03:23.120><c> link</c><00:03:23.360><c> at</c>

3:23

website and you can see the the link at website and you can see the the link at the<00:03:23.599><c> bottom</c><00:03:23.879><c> of</c><00:03:24.040><c> this</c><00:03:24.280><c> page</c><00:03:24.760><c> um</c><00:03:24.879><c> where</c><00:03:25.000><c> you</c><00:03:25.120><c> can</c> the bottom of this page um where you can the bottom of this page um where you can find<00:03:25.519><c> all</c><00:03:25.680><c> those</c><00:03:25.959><c> resources</c><00:03:26.840><c> um</c><00:03:27.239><c> and</c><00:03:27.400><c> hope</c><00:03:27.560><c> you</c>

3:27

find all those resources um and hope you find all those resources um and hope you will<00:03:27.879><c> check</c><00:03:28.120><c> that</c><00:03:28.319><c> out</c><00:03:29.319><c> so</c><00:03:29.519><c> turn</c><00:03:29.959><c> to</c><00:03:30.080><c> slide</c>

3:30

will check that out so turn to slide will check that out so turn to slide seven<00:03:30.920><c> I</c><00:03:31.000><c> want</c><00:03:31.120><c> to</c><00:03:31.319><c> highlight</c><00:03:31.640><c> a</c><00:03:31.760><c> few</c><00:03:32.040><c> key</c>

3:33

seven I want to highlight a few key seven I want to highlight a few key takeaways<00:03:34.239><c> um</c><00:03:34.439><c> from</c><00:03:34.760><c> the</c><00:03:34.959><c> results</c><00:03:35.319><c> we're</c>

3:35

takeaways um from the results we're takeaways um from the results we're presenting<00:03:36.360><c> today</c><00:03:37.560><c> um</c><00:03:38.560><c> first</c><00:03:39.640><c> um</c><00:03:40.640><c> as</c><00:03:40.760><c> I</c>

3:40

presenting today um first um as I presenting today um first um as I mentioned<00:03:41.400><c> the</c><00:03:41.519><c> results</c><00:03:41.840><c> we're</c><00:03:42.080><c> presenting</c> mentioned the results we're presenting mentioned the results we're presenting are<00:03:42.720><c> from</c><00:03:43.040><c> the</c><00:03:43.200><c> survey</c><00:03:43.519><c> we</c><00:03:43.599><c> filled</c><00:03:44.080><c> in</c><00:03:44.360><c> in</c>

3:44

are from the survey we filled in in are from the survey we filled in in October<00:03:45.200><c> of</c><00:03:45.400><c> 2023</c><00:03:46.400><c> so</c><00:03:47.280><c> um</c><00:03:47.439><c> the</c><00:03:47.599><c> results</c><00:03:47.920><c> from</c>

3:48

October of 2023 so um the results from October of 2023 so um the results from that<00:03:48.319><c> survey</c><00:03:48.680><c> showed</c><00:03:49.000><c> that</c><00:03:49.120><c> Financial</c> that survey showed that Financial that survey showed that Financial well-being<00:03:50.040><c> then</c><00:03:50.239><c> was</c><00:03:50.439><c> similar</c><00:03:50.720><c> to</c><00:03:50.879><c> what</c><00:03:51.000><c> we</c>

3:51

well-being then was similar to what we well-being then was similar to what we saw<00:03:51.239><c> in</c><00:03:51.519><c> 2022</c><00:03:52.519><c> yet</c><00:03:52.840><c> remained</c><00:03:53.120><c> well</c><00:03:53.319><c> below</c><00:03:53.840><c> the</c>

3:53

saw in 2022 yet remained well below the saw in 2022 yet remained well below the recent<00:03:54.319><c> high</c><00:03:54.560><c> that</c><00:03:54.680><c> we</c><00:03:54.799><c> saw</c><00:03:55.000><c> in</c> recent high that we saw in recent high that we saw in 2021<00:03:56.760><c> inflation</c><00:03:57.280><c> continued</c><00:03:57.640><c> to</c><00:03:57.720><c> be</c><00:03:57.840><c> a</c><00:03:57.959><c> major</c>

3:58

2021 inflation continued to be a major 2021 inflation continued to be a major concern<00:03:58.560><c> for</c><00:03:58.720><c> many</c><00:03:59.000><c> families</c><00:03:59.400><c> for</c> concern for many families for concern for many families for particularly<00:04:00.079><c> the</c><00:04:00.200><c> cost</c><00:04:00.360><c> of</c><00:04:00.760><c> food</c><00:04:01.760><c> um</c>

4:01

particularly the cost of food um particularly the cost of food um low-income<00:04:02.400><c> adults</c><00:04:02.760><c> face</c><00:04:03.040><c> notably</c><00:04:03.519><c> High</c> low-income adults face notably High low-income adults face notably High rates<00:04:03.920><c> of</c><00:04:04.120><c> economic</c><00:04:04.519><c> hardships</c><00:04:05.239><c> such</c><00:04:05.400><c> as</c><00:04:05.560><c> food</c>

4:05

rates of economic hardships such as food rates of economic hardships such as food insufficiency<00:04:06.640><c> and</c><00:04:06.799><c> skipping</c><00:04:07.200><c> Medical</c><00:04:07.560><c> Care</c>

4:07

insufficiency and skipping Medical Care insufficiency and skipping Medical Care due<00:04:08.200><c> to</c><00:04:08.720><c> costs</c><00:04:09.720><c> and</c><00:04:09.879><c> challenges</c><00:04:10.400><c> paying</c><00:04:10.680><c> rent</c>

4:10

due to costs and challenges paying rent due to costs and challenges paying rent including<00:04:11.400><c> being</c><00:04:11.640><c> behind</c><00:04:11.920><c> on</c><00:04:12.120><c> rent</c><00:04:12.360><c> at</c><00:04:12.519><c> some</c> including being behind on rent at some including being behind on rent at some point<00:04:12.879><c> in</c><00:04:13.000><c> the</c><00:04:13.200><c> past</c><00:04:13.439><c> year</c><00:04:13.720><c> were</c><00:04:14.000><c> above</c><00:04:14.239><c> the</c>

4:14

point in the past year were above the point in the past year were above the levels<00:04:14.640><c> that</c><00:04:14.799><c> we</c><00:04:14.920><c> saw</c><00:04:15.159><c> in</c> levels that we saw in levels that we saw in 2022<00:04:17.079><c> finally</c><00:04:17.479><c> adults</c><00:04:17.840><c> with</c><00:04:18.000><c> caregiving</c>

4:18

2022 finally adults with caregiving 2022 finally adults with caregiving responsibilities<00:04:19.199><c> were</c><00:04:19.400><c> less</c><00:04:19.639><c> likely</c><00:04:19.880><c> to</c><00:04:20.000><c> be</c> responsibilities were less likely to be responsibilities were less likely to be working<00:04:20.359><c> for</c><00:04:20.600><c> pay</c><00:04:21.320><c> and</c><00:04:21.479><c> paid</c><00:04:21.759><c> child</c><00:04:22.120><c> care</c><00:04:22.240><c> was</c>

4:22

working for pay and paid child care was working for pay and paid child care was a<00:04:22.560><c> substantial</c><00:04:23.199><c> expense</c><00:04:23.600><c> for</c><00:04:23.840><c> working</c>

4:26

a substantial expense for working a substantial expense for working parents<00:04:27.160><c> so</c><00:04:27.400><c> turning</c><00:04:27.960><c> skipping</c><00:04:28.400><c> to</c><00:04:29.280><c> slide</c>

4:29

parents so turning skipping to slide parents so turning skipping to slide nine<00:04:30.479><c> I'm</c><00:04:30.639><c> going</c><00:04:30.919><c> to</c><00:04:31.600><c> focus</c><00:04:32.160><c> first</c><00:04:32.440><c> on</c><00:04:32.639><c> some</c>

4:32

nine I'm going to focus first on some nine I'm going to focus first on some results<00:04:33.720><c> um</c><00:04:33.840><c> on</c><00:04:34.080><c> family</c><00:04:35.000><c> finances</c><00:04:36.000><c> now</c><00:04:36.120><c> to</c>

4:36

results um on family finances now to results um on family finances now to give<00:04:36.479><c> an</c><00:04:36.680><c> overview</c><00:04:37.120><c> of</c><00:04:37.240><c> people's</c><00:04:37.680><c> financial</c> give an overview of people's financial give an overview of people's financial situation<00:04:38.600><c> in</c><00:04:38.759><c> the</c><00:04:38.840><c> fall</c><00:04:39.039><c> of</c><00:04:39.199><c> 2023</c><00:04:39.919><c> we</c><00:04:40.080><c> start</c>

4:40

situation in the fall of 2023 we start situation in the fall of 2023 we start off<00:04:40.520><c> with</c><00:04:40.680><c> two</c><00:04:41.199><c> series</c><00:04:42.199><c> The</c><00:04:42.400><c> Top</c><00:04:42.759><c> Line</c><00:04:43.199><c> is</c><00:04:43.360><c> a</c>

4:43

off with two series The Top Line is a off with two series The Top Line is a subjective<00:04:44.160><c> measure</c><00:04:44.440><c> of</c><00:04:44.600><c> people's</c><00:04:44.960><c> Financial</c> subjective measure of people's Financial subjective measure of people's Financial wellbeing<00:04:46.560><c> so</c><00:04:46.759><c> we</c><00:04:46.919><c> ask</c><00:04:47.160><c> people</c><00:04:47.440><c> how</c><00:04:47.560><c> well</c>

4:47

wellbeing so we ask people how well wellbeing so we ask people how well they're<00:04:47.919><c> managing</c><00:04:48.400><c> financially</c><00:04:48.919><c> and</c><00:04:49.080><c> they</c> they're managing financially and they they're managing financially and they could<00:04:49.320><c> choose</c><00:04:49.600><c> from</c><00:04:49.800><c> four</c><00:04:50.160><c> options</c><00:04:50.720><c> living</c>

4:51

could choose from four options living could choose from four options living comfortably<00:04:52.039><c> doing</c><00:04:52.479><c> okay</c><00:04:52.840><c> just</c><00:04:53.120><c> getting</c><00:04:53.440><c> by</c>

4:53

comfortably doing okay just getting by comfortably doing okay just getting by or<00:04:53.919><c> finding</c><00:04:54.240><c> it</c><00:04:54.639><c> difficult</c><00:04:54.759><c> to</c><00:04:54.919><c> get</c><00:04:55.120><c> by</c><00:04:56.039><c> the</c>

4:56

or finding it difficult to get by the or finding it difficult to get by the Top<00:04:56.479><c> Line</c><00:04:56.680><c> shows</c><00:04:57.000><c> the</c><00:04:57.120><c> share</c><00:04:57.759><c> who</c><00:04:58.000><c> answered</c>

4:58

Top Line shows the share who answered Top Line shows the share who answered with<00:04:58.520><c> the</c><00:04:58.639><c> highest</c><00:04:58.960><c> two</c><00:04:59.120><c> of</c><00:04:59.240><c> those</c><00:04:59.360><c> four</c> with the highest two of those four with the highest two of those four categories<00:05:00.400><c> that</c><00:05:00.560><c> is</c><00:05:00.720><c> that</c><00:05:00.919><c> they</c><00:05:01.039><c> were</c><00:05:01.600><c> doing</c>

5:01

categories that is that they were doing categories that is that they were doing okay<00:05:02.199><c> or</c><00:05:02.360><c> they</c><00:05:02.479><c> were</c><00:05:02.600><c> living</c><00:05:03.440><c> comfortably</c>

5:04

okay or they were living comfortably okay or they were living comfortably then<00:05:04.639><c> in</c><00:05:04.800><c> late</c><00:05:05.080><c> 2023</c><00:05:06.039><c> 72%</c><00:05:06.840><c> of</c><00:05:06.960><c> adults</c><00:05:07.280><c> reported</c>

5:08

then in late 2023 72% of adults reported then in late 2023 72% of adults reported that<00:05:08.160><c> they</c><00:05:08.280><c> were</c><00:05:08.440><c> in</c><00:05:08.600><c> these</c><00:05:08.800><c> top</c><00:05:09.000><c> two</c> that they were in these top two that they were in these top two categories<00:05:09.759><c> in</c><00:05:09.880><c> terms</c><00:05:10.080><c> of</c><00:05:10.199><c> how</c><00:05:10.320><c> they</c><00:05:10.440><c> were</c>

5:10

categories in terms of how they were categories in terms of how they were doing<00:05:10.840><c> financially</c><00:05:11.479><c> which</c><00:05:11.600><c> was</c><00:05:11.840><c> essentially</c> doing financially which was essentially doing financially which was essentially unchanged<00:05:12.960><c> from</c><00:05:13.160><c> 2022</c><00:05:13.919><c> but</c><00:05:14.080><c> down</c><00:05:14.320><c> from</c><00:05:14.479><c> the</c>

5:14

unchanged from 2022 but down from the unchanged from 2022 but down from the high<00:05:14.759><c> in</c><00:05:15.080><c> 2021</c><00:05:16.080><c> it</c><00:05:16.199><c> was</c><00:05:16.360><c> also</c><00:05:16.639><c> lower</c><00:05:17.080><c> than</c>

5:17

high in 2021 it was also lower than high in 2021 it was also lower than before<00:05:17.520><c> the</c><00:05:17.720><c> pandemic</c><00:05:18.160><c> in</c> before the pandemic in before the pandemic in 2019<00:05:20.120><c> now</c><00:05:20.319><c> the</c><00:05:20.440><c> bottom</c><00:05:20.759><c> line</c><00:05:21.000><c> the</c><00:05:21.080><c> line</c><00:05:21.280><c> in</c>

5:21

2019 now the bottom line the line in 2019 now the bottom line the line in dark<00:05:21.680><c> blue</c><00:05:21.960><c> shows</c><00:05:22.199><c> the</c><00:05:22.360><c> results</c><00:05:22.680><c> from</c><00:05:22.919><c> perhaps</c> dark blue shows the results from perhaps dark blue shows the results from perhaps our<00:05:23.360><c> most</c><00:05:23.600><c> well-known</c><00:05:24.120><c> question</c><00:05:24.600><c> asking</c>

5:24

our most well-known question asking our most well-known question asking people<00:05:25.280><c> how</c><00:05:25.440><c> they</c><00:05:25.560><c> would</c><00:05:25.880><c> handle</c><00:05:26.199><c> an</c> people how they would handle an people how they would handle an unexpected<00:05:26.960><c> $400</c><00:05:28.000><c> expense</c><00:05:29.000><c> in</c><00:05:29.160><c> 202</c><00:05:29.840><c> 3</c><00:05:30.160><c> 63%</c><00:05:30.960><c> of</c>

5:31

unexpected $400 expense in 202 3 63% of unexpected $400 expense in 202 3 63% of adults<00:05:31.400><c> said</c><00:05:31.560><c> they</c><00:05:31.680><c> would</c><00:05:31.840><c> cover</c><00:05:32.160><c> such</c><00:05:32.280><c> an</c> adults said they would cover such an adults said they would cover such an expense<00:05:32.880><c> exclusively</c><00:05:33.479><c> using</c><00:05:33.960><c> cash</c><00:05:34.720><c> savings</c>

5:35

expense exclusively using cash savings expense exclusively using cash savings or<00:05:35.400><c> a</c><00:05:35.520><c> credit</c><00:05:35.840><c> card</c><00:05:36.080><c> paid</c><00:05:36.280><c> off</c><00:05:36.440><c> at</c><00:05:36.600><c> the</c><00:05:36.720><c> next</c> or a credit card paid off at the next or a credit card paid off at the next statement<00:05:37.720><c> we</c><00:05:37.880><c> call</c><00:05:38.080><c> this</c><00:05:38.280><c> combination</c><00:05:38.759><c> of</c>

5:38

statement we call this combination of statement we call this combination of methods<00:05:39.800><c> of</c><00:05:40.000><c> payment</c><00:05:40.520><c> cash</c><00:05:40.759><c> or</c><00:05:40.960><c> its</c>

5:41

methods of payment cash or its methods of payment cash or its equivalent<00:05:42.400><c> and</c><00:05:42.560><c> this</c><00:05:42.680><c> share</c><00:05:43.000><c> was</c><00:05:43.160><c> similar</c><00:05:43.440><c> to</c>

5:43

equivalent and this share was similar to equivalent and this share was similar to 2022<00:05:44.720><c> but</c><00:05:44.880><c> down</c><00:05:45.120><c> from</c><00:05:45.240><c> the</c><00:05:45.360><c> high</c><00:05:45.560><c> in</c>

5:46

2022 but down from the high in 2022 but down from the high in 2021<00:05:47.600><c> if</c><00:05:47.680><c> you</c><00:05:47.840><c> turn</c><00:05:48.039><c> to</c><00:05:48.240><c> slide</c><00:05:48.600><c> 10</c><00:05:49.600><c> um</c><00:05:49.759><c> here</c>

5:49

2021 if you turn to slide 10 um here 2021 if you turn to slide 10 um here we're<00:05:50.000><c> going</c><00:05:50.080><c> to</c><00:05:50.199><c> look</c><00:05:50.319><c> at</c><00:05:50.440><c> the</c><00:05:50.560><c> measure</c><00:05:50.800><c> of</c> we're going to look at the measure of we're going to look at the measure of overall<00:05:51.360><c> well-being</c><00:05:51.840><c> from</c><00:05:52.000><c> the</c><00:05:52.160><c> prior</c><00:05:52.479><c> slide</c>

5:52

overall well-being from the prior slide overall well-being from the prior slide but<00:05:52.919><c> broken</c><00:05:53.240><c> out</c><00:05:53.479><c> AC</c><00:05:53.759><c> by</c><00:05:53.960><c> different</c> but broken out AC by different but broken out AC by different educational<00:05:55.280><c> groups</c><00:05:56.280><c> as</c><00:05:56.400><c> in</c><00:05:56.560><c> our</c><00:05:56.800><c> previous</c>

5:57

educational groups as in our previous educational groups as in our previous surveys<00:05:57.680><c> adults</c><00:05:58.039><c> with</c><00:05:58.240><c> at</c><00:05:58.360><c> least</c><00:05:58.560><c> a</c> surveys adults with at least a surveys adults with at least a bachelor's<00:05:59.160><c> degree</c><00:05:59.440><c> the</c><00:05:59.720><c> Top</c><00:05:59.919><c> Line</c><00:06:00.080><c> in</c><00:06:00.240><c> dark</c>

6:00

bachelor's degree the Top Line in dark bachelor's degree the Top Line in dark blue<00:06:00.919><c> continue</c><00:06:01.400><c> to</c><00:06:01.600><c> report</c><00:06:02.039><c> higher</c><00:06:02.319><c> Financial</c>

6:02

blue continue to report higher Financial blue continue to report higher Financial well-being<00:06:03.160><c> than</c><00:06:03.319><c> those</c><00:06:03.520><c> with</c><00:06:03.680><c> lower</c><00:06:03.960><c> levels</c> well-being than those with lower levels well-being than those with lower levels of<00:06:04.840><c> Education</c><00:06:05.840><c> that</c><00:06:06.039><c> said</c><00:06:06.280><c> as</c><00:06:06.400><c> shown</c><00:06:06.639><c> in</c><00:06:06.759><c> the</c>

6:06

of Education that said as shown in the of Education that said as shown in the figure<00:06:07.199><c> the</c><00:06:07.400><c> Gap</c><00:06:07.639><c> in</c><00:06:07.800><c> well-being</c><00:06:08.160><c> by</c> figure the Gap in well-being by figure the Gap in well-being by education<00:06:08.800><c> has</c><00:06:08.960><c> nared</c><00:06:09.440><c> slightly</c><00:06:09.840><c> in</c><00:06:09.960><c> the</c><00:06:10.160><c> past</c>

6:10

education has nared slightly in the past education has nared slightly in the past several<00:06:10.759><c> years</c><00:06:11.599><c> the</c><00:06:11.759><c> share</c><00:06:11.960><c> of</c><00:06:12.160><c> adults</c><00:06:12.520><c> who</c>

6:13

several years the share of adults who several years the share of adults who with<00:06:13.199><c> at</c><00:06:13.319><c> least</c><00:06:13.479><c> a</c><00:06:13.639><c> bachelor's</c><00:06:14.080><c> degree</c><00:06:14.440><c> who</c> with at least a bachelor's degree who with at least a bachelor's degree who reported<00:06:14.960><c> they</c><00:06:15.080><c> were</c><00:06:15.199><c> doing</c><00:06:15.440><c> okay</c><00:06:15.720><c> you're</c>

6:15

reported they were doing okay you're reported they were doing okay you're living<00:06:16.199><c> comfortably</c><00:06:16.680><c> has</c><00:06:16.840><c> declined</c><00:06:17.280><c> four</c> living comfortably has declined four living comfortably has declined four percentage<00:06:18.080><c> points</c><00:06:18.400><c> since</c><00:06:18.919><c> 2021</c><00:06:19.919><c> while</c><00:06:20.120><c> this</c>

6:20

percentage points since 2021 while this percentage points since 2021 while this share<00:06:20.560><c> among</c><00:06:20.840><c> those</c><00:06:21.080><c> with</c><00:06:21.280><c> less</c><00:06:21.479><c> than</c><00:06:21.599><c> a</c><00:06:21.720><c> high</c> share among those with less than a high share among those with less than a high school<00:06:22.120><c> degree</c><00:06:22.520><c> that</c><00:06:22.720><c> yellow</c><00:06:23.000><c> line</c><00:06:23.199><c> at</c><00:06:23.319><c> the</c>

6:23

school degree that yellow line at the school degree that yellow line at the bottom<00:06:24.000><c> has</c><00:06:24.280><c> remained</c><00:06:24.560><c> relatively</c>

6:26

bottom has remained relatively bottom has remained relatively flat<00:06:27.160><c> however</c><00:06:27.280><c> however</c><00:06:27.440><c> if</c><00:06:27.520><c> you</c><00:06:27.680><c> look</c><00:06:27.880><c> back</c><00:06:28.000><c> to</c>

6:28

flat however however if you look back to flat however however if you look back to the<00:06:28.319><c> beginning</c><00:06:28.639><c> of</c><00:06:28.759><c> the</c><00:06:28.880><c> survey</c><00:06:29.199><c> we</c><00:06:29.280><c> see</c><00:06:29.440><c> that</c> the beginning of the survey we see that the beginning of the survey we see that the<00:06:29.800><c> Gap</c><00:06:30.000><c> in</c><00:06:30.240><c> well-being</c><00:06:31.039><c> um</c><00:06:31.400><c> by</c><00:06:31.639><c> education</c>

6:32

the Gap in well-being um by education the Gap in well-being um by education has<00:06:32.400><c> widened</c><00:06:32.840><c> somewhat</c><00:06:33.639><c> since</c><00:06:33.919><c> 2013</c><00:06:34.720><c> the</c>

6:34

has widened somewhat since 2013 the has widened somewhat since 2013 the share<00:06:35.039><c> of</c><00:06:35.160><c> adults</c><00:06:35.479><c> with</c><00:06:35.639><c> at</c><00:06:35.759><c> least</c><00:06:35.919><c> a</c> share of adults with at least a share of adults with at least a bachelor's<00:06:36.479><c> degree</c><00:06:36.759><c> who</c><00:06:36.880><c> were</c><00:06:37.039><c> doing</c><00:06:37.240><c> okay</c><00:06:37.560><c> or</c>

6:37

bachelor's degree who were doing okay or bachelor's degree who were doing okay or living<00:06:37.960><c> comfortably</c><00:06:38.560><c> increased</c><00:06:39.080><c> 10</c> living comfortably increased 10 living comfortably increased 10 percentage<00:06:39.880><c> points</c><00:06:40.599><c> whereas</c><00:06:40.919><c> those</c><00:06:41.080><c> with</c>

6:41

percentage points whereas those with percentage points whereas those with less<00:06:41.479><c> than</c><00:06:41.599><c> a</c><00:06:41.759><c> high</c><00:06:41.919><c> school</c><00:06:42.160><c> degree</c><00:06:42.479><c> saw</c> less than a high school degree saw less than a high school degree saw essentially<00:06:43.199><c> no</c><00:06:43.440><c> lasting</c><00:06:43.840><c> gains</c><00:06:44.160><c> over</c><00:06:44.440><c> this</c>

6:45

essentially no lasting gains over this essentially no lasting gains over this time<00:06:46.120><c> now</c><00:06:46.240><c> if</c><00:06:46.319><c> you</c><00:06:46.440><c> turn</c><00:06:46.680><c> to</c><00:06:46.840><c> slide</c>

6:48

time now if you turn to slide time now if you turn to slide 11<00:06:49.440><c> um</c><00:06:49.680><c> as</c><00:06:49.800><c> in</c><00:06:49.960><c> the</c><00:06:50.080><c> 2022</c><00:06:50.840><c> survey</c><00:06:51.280><c> we</c><00:06:51.479><c> again</c>

6:51

11 um as in the 2022 survey we again 11 um as in the 2022 survey we again included<00:06:52.199><c> an</c><00:06:52.400><c> open-ended</c><00:06:53.039><c> question</c><00:06:53.440><c> asking</c>

6:53

included an open-ended question asking included an open-ended question asking people<00:06:54.120><c> about</c><00:06:54.319><c> their</c><00:06:54.479><c> Main</c><00:06:54.759><c> Financial</c> people about their Main Financial people about their Main Financial challenges<00:06:55.680><c> or</c><00:06:55.960><c> concerns</c><00:06:56.960><c> before</c><00:06:57.319><c> 2022</c><00:06:58.120><c> the</c>

6:58

challenges or concerns before 2022 the challenges or concerns before 2022 the question<00:06:58.639><c> was</c><00:06:58.840><c> last</c><00:06:59.199><c> asked</c><00:06:59.639><c> in</c><00:06:59.759><c> 2016</c><00:07:00.560><c> and</c>

7:00

question was last asked in 2016 and question was last asked in 2016 and that's<00:07:00.960><c> why</c><00:07:01.080><c> we're</c><00:07:01.280><c> including</c><00:07:01.800><c> these</c><00:07:02.039><c> three</c> that's why we're including these three that's why we're including these three years<00:07:02.599><c> on</c><00:07:02.800><c> this</c>

7:03

years on this years on this figure<00:07:04.720><c> um</c><00:07:04.840><c> with</c><00:07:05.039><c> this</c><00:07:05.240><c> question</c><00:07:05.599><c> respondents</c>

7:06

figure um with this question respondents figure um with this question respondents could<00:07:06.280><c> type</c><00:07:06.479><c> in</c><00:07:06.599><c> a</c><00:07:06.759><c> text</c><00:07:07.039><c> response</c><00:07:07.360><c> to</c><00:07:07.560><c> the</c> could type in a text response to the could type in a text response to the question<00:07:08.080><c> or</c><00:07:08.280><c> they</c><00:07:08.400><c> could</c><00:07:08.560><c> check</c><00:07:08.759><c> a</c><00:07:08.960><c> box</c><00:07:09.199><c> that</c>

7:09

question or they could check a box that question or they could check a box that said<00:07:09.560><c> none</c><00:07:09.919><c> if</c><00:07:10.039><c> they</c><00:07:10.160><c> didn't</c><00:07:10.440><c> have</c><00:07:10.599><c> any</c> said none if they didn't have any said none if they didn't have any Financial<00:07:11.280><c> challenges</c><00:07:11.720><c> to</c><00:07:12.120><c> report</c><00:07:13.120><c> we've</c>

7:13

Financial challenges to report we've Financial challenges to report we've categorized<00:07:13.919><c> the</c><00:07:14.080><c> text</c><00:07:14.360><c> responses</c><00:07:14.879><c> based</c><00:07:15.080><c> on</c> categorized the text responses based on categorized the text responses based on key<00:07:15.440><c> wordss</c><00:07:15.919><c> and</c><00:07:16.039><c> the</c><00:07:16.280><c> categories</c><00:07:16.680><c> are</c><00:07:16.840><c> not</c>

7:16

key wordss and the categories are not key wordss and the categories are not mutually<00:07:17.440><c> exclusive</c><00:07:18.440><c> for</c><00:07:18.639><c> example</c><00:07:18.960><c> if</c>

7:19

mutually exclusive for example if mutually exclusive for example if someone<00:07:19.360><c> said</c><00:07:19.639><c> rent</c><00:07:19.960><c> costs</c><00:07:20.319><c> keep</c><00:07:20.560><c> going</c><00:07:20.800><c> up</c>

7:21

someone said rent costs keep going up someone said rent costs keep going up the<00:07:21.440><c> response</c><00:07:21.800><c> would</c><00:07:21.919><c> be</c><00:07:22.080><c> included</c><00:07:22.440><c> as</c> the response would be included as the response would be included as reflecting<00:07:23.080><c> challenges</c><00:07:23.599><c> with</c><00:07:23.800><c> both</c>

7:24

reflecting challenges with both reflecting challenges with both inflation<00:07:24.560><c> and</c><00:07:24.759><c> with</c>

7:26

inflation and with inflation and with housing<00:07:27.039><c> now</c><00:07:27.199><c> turning</c><00:07:27.520><c> now</c><00:07:27.680><c> to</c><00:07:27.840><c> the</c><00:07:28.000><c> results</c>

7:28

housing now turning now to the results housing now turning now to the results as<00:07:28.520><c> shown</c><00:07:28.720><c> in</c><00:07:28.879><c> the</c><00:07:29.000><c> left</c><00:07:29.240><c> most</c><00:07:29.560><c> set</c><00:07:29.680><c> of</c><00:07:29.800><c> bars</c> as shown in the left most set of bars as shown in the left most set of bars inflation<00:07:30.639><c> was</c><00:07:30.800><c> the</c><00:07:30.960><c> most</c><00:07:31.199><c> common</c><00:07:31.560><c> financial</c>

7:31

inflation was the most common financial inflation was the most common financial concern<00:07:32.400><c> in</c><00:07:32.560><c> 2023</c><00:07:33.360><c> at</c><00:07:33.520><c> about</c><00:07:34.199><c> 1/3</c><00:07:35.199><c> the</c><00:07:35.400><c> second</c>

7:35

concern in 2023 at about 1/3 the second concern in 2023 at about 1/3 the second set<00:07:35.840><c> of</c><00:07:35.960><c> bars</c><00:07:36.240><c> were</c><00:07:36.479><c> basically</c><00:07:36.879><c> living</c> set of bars were basically living set of bars were basically living expenses<00:07:38.120><c> in</c><00:07:38.599><c> as</c><00:07:38.960><c> reflective</c><00:07:39.479><c> of</c>

7:39

expenses in as reflective of expenses in as reflective of difficulties<00:07:40.360><c> like</c><00:07:40.560><c> covering</c><00:07:41.000><c> necessities</c> difficulties like covering necessities difficulties like covering necessities and<00:07:41.680><c> making</c><00:07:41.960><c> ends</c><00:07:42.319><c> meet</c><00:07:43.039><c> that</c><00:07:43.199><c> was</c><00:07:43.319><c> the</c><00:07:43.440><c> next</c>

7:43

and making ends meet that was the next and making ends meet that was the next most<00:07:44.039><c> common</c><00:07:44.400><c> concern</c><00:07:45.240><c> and</c><00:07:45.479><c> this</c><00:07:45.680><c> category</c>

7:46

most common concern and this category most common concern and this category may<00:07:46.199><c> be</c><00:07:46.400><c> picking</c><00:07:46.680><c> up</c><00:07:46.840><c> some</c><00:07:47.039><c> inflation</c> may be picking up some inflation may be picking up some inflation concerns<00:07:48.120><c> as</c><00:07:48.479><c> well</c><00:07:49.479><c> and</c><00:07:49.759><c> responses</c><00:07:50.199><c> for</c><00:07:50.400><c> these</c>

7:50

concerns as well and responses for these concerns as well and responses for these and<00:07:50.720><c> most</c><00:07:50.960><c> other</c><00:07:51.240><c> categories</c><00:07:51.639><c> were</c><00:07:51.840><c> similar</c> and most other categories were similar and most other categories were similar in<00:07:52.280><c> 2023</c><00:07:53.000><c> to</c><00:07:53.159><c> what</c><00:07:53.240><c> we</c><00:07:53.360><c> saw</c><00:07:53.639><c> in</c>

7:54

in 2023 to what we saw in in 2023 to what we saw in 2022<00:07:55.879><c> um</c><00:07:56.080><c> but</c><00:07:56.240><c> looking</c><00:07:56.479><c> to</c><00:07:56.639><c> the</c><00:07:56.759><c> estimates</c>

7:57

2022 um but looking to the estimates 2022 um but looking to the estimates from<00:07:57.440><c> 2016</c><00:07:58.440><c> the</c><00:07:58.560><c> shares</c><00:07:58.840><c> who</c><00:07:59.000><c> mentioned</c>

7:59

from 2016 the shares who mentioned from 2016 the shares who mentioned concerns<00:07:59.800><c> with</c><00:07:59.960><c> inflation</c><00:08:00.360><c> and</c><00:08:00.560><c> basic</c><00:08:00.840><c> living</c> concerns with inflation and basic living concerns with inflation and basic living expenses<00:08:01.599><c> were</c><00:08:01.800><c> higher</c><00:08:02.039><c> in</c><00:08:02.159><c> the</c><00:08:02.360><c> last</c><00:08:02.560><c> two</c>

8:03

expenses were higher in the last two expenses were higher in the last two years<00:08:04.840><c> than</c><00:08:05.000><c> in</c>

8:06

years than in years than in 2016<00:08:07.960><c> um</c><00:08:08.280><c> in</c><00:08:08.479><c> contrast</c><00:08:08.960><c> the</c><00:08:09.039><c> share</c><00:08:09.360><c> answering</c>

8:09

2016 um in contrast the share answering 2016 um in contrast the share answering none<00:08:10.120><c> that</c><00:08:10.240><c> is</c><00:08:10.360><c> who</c><00:08:10.520><c> did</c><00:08:10.680><c> not</c><00:08:10.879><c> report</c><00:08:11.240><c> any</c> none that is who did not report any none that is who did not report any Financial<00:08:11.960><c> challenges</c><00:08:12.560><c> was</c><00:08:12.800><c> considerably</c>

8:13

Financial challenges was considerably Financial challenges was considerably lower<00:08:13.599><c> in</c><00:08:13.720><c> the</c><00:08:13.840><c> last</c><00:08:14.039><c> two</c><00:08:14.280><c> years</c><00:08:14.560><c> compared</c><00:08:14.879><c> to</c>

8:16

lower in the last two years compared to lower in the last two years compared to 2016<00:08:17.280><c> finally</c><00:08:17.599><c> I</c><00:08:17.680><c> want</c><00:08:17.759><c> to</c><00:08:17.879><c> note</c><00:08:18.120><c> two</c><00:08:18.360><c> other</c>

8:18

2016 finally I want to note two other 2016 finally I want to note two other points<00:08:18.919><c> which</c><00:08:19.039><c> are</c><00:08:19.199><c> not</c><00:08:19.440><c> captured</c><00:08:19.840><c> in</c><00:08:19.960><c> the</c> points which are not captured in the points which are not captured in the figure<00:08:20.919><c> um</c><00:08:21.080><c> first</c><00:08:21.400><c> many</c><00:08:21.639><c> people</c><00:08:22.039><c> particularly</c>

8:22

figure um first many people particularly figure um first many people particularly low-income<00:08:22.960><c> adults</c><00:08:23.479><c> specifically</c><00:08:23.960><c> mentioned</c> low-income adults specifically mentioned low-income adults specifically mentioned concerns<00:08:24.759><c> about</c><00:08:24.960><c> the</c><00:08:25.120><c> cost</c><00:08:25.319><c> of</c><00:08:25.440><c> food</c><00:08:25.639><c> and</c>

8:25

concerns about the cost of food and concerns about the cost of food and groceries<00:08:26.240><c> and</c><00:08:26.400><c> their</c><00:08:26.639><c> responses</c><00:08:27.080><c> to</c><00:08:27.280><c> this</c> groceries and their responses to this groceries and their responses to this open-ended<00:08:28.080><c> question</c><00:08:28.960><c> and</c><00:08:29.120><c> second</c><00:08:29.599><c> renters</c>

8:29

open-ended question and second renters open-ended question and second renters were<00:08:30.120><c> more</c><00:08:30.319><c> likely</c><00:08:30.599><c> than</c><00:08:30.720><c> homeowners</c><00:08:31.240><c> to</c> were more likely than homeowners to were more likely than homeowners to mention<00:08:31.680><c> that</c><00:08:31.840><c> housing</c><00:08:32.200><c> was</c><00:08:32.320><c> a</c><00:08:32.479><c> challenge</c><00:08:32.839><c> for</c>

8:33

mention that housing was a challenge for mention that housing was a challenge for them<00:08:34.800><c> now</c><00:08:35.000><c> moving</c><00:08:35.240><c> on</c><00:08:35.399><c> to</c><00:08:35.599><c> slide</c><00:08:36.479><c> 12</c><00:08:37.479><c> in</c>

8:37

them now moving on to slide 12 in them now moving on to slide 12 in addition<00:08:37.880><c> to</c><00:08:38.000><c> the</c><00:08:38.120><c> results</c><00:08:38.440><c> from</c><00:08:38.599><c> that</c> addition to the results from that addition to the results from that open-ended<00:08:39.399><c> question</c><00:08:39.760><c> this</c><00:08:40.039><c> 2023</c><00:08:40.760><c> survey</c>

8:41

open-ended question this 2023 survey open-ended question this 2023 survey also<00:08:41.440><c> included</c><00:08:41.839><c> a</c><00:08:42.000><c> new</c><00:08:42.320><c> closed</c><00:08:42.680><c> ined</c><00:08:43.000><c> question</c>

8:43

also included a new closed ined question also included a new closed ined question asking<00:08:43.680><c> people</c><00:08:43.919><c> how</c><00:08:44.120><c> changes</c><00:08:44.480><c> in</c><00:08:44.640><c> the</c><00:08:44.800><c> prices</c> asking people how changes in the prices asking people how changes in the prices they<00:08:45.360><c> paid</c><00:08:45.800><c> compared</c><00:08:46.120><c> to</c><00:08:46.320><c> last</c><00:08:46.519><c> year</c><00:08:46.839><c> affected</c>

8:47

they paid compared to last year affected they paid compared to last year affected their<00:08:47.399><c> financial</c><00:08:48.240><c> situation</c><00:08:49.240><c> respondents</c>

8:49

their financial situation respondents their financial situation respondents were<00:08:49.920><c> offered</c><00:08:50.320><c> five</c><00:08:50.600><c> answer</c><00:08:50.920><c> choices</c><00:08:51.320><c> ranging</c> were offered five answer choices ranging were offered five answer choices ranging from<00:08:51.959><c> much</c><00:08:52.160><c> worse</c><00:08:52.440><c> to</c><00:08:52.680><c> much</c><00:08:52.880><c> better</c><00:08:53.560><c> but</c><00:08:53.720><c> for</c>

8:53

from much worse to much better but for from much worse to much better but for Simplicity<00:08:54.399><c> in</c><00:08:54.519><c> the</c><00:08:54.640><c> figure</c><00:08:54.959><c> we're</c><00:08:55.160><c> just</c> Simplicity in the figure we're just Simplicity in the figure we're just showing<00:08:55.600><c> the</c><00:08:55.680><c> share</c><00:08:55.920><c> of</c><00:08:56.080><c> people</c><00:08:56.320><c> who</c><00:08:56.440><c> said</c>

8:56

showing the share of people who said showing the share of people who said much<00:08:57.519><c> worse</c><00:08:58.519><c> and</c><00:08:58.680><c> focusing</c><00:08:59.040><c> on</c><00:08:59.160><c> the</c><00:08:59.440><c> Bottom</c>

8:59

much worse and focusing on the Bottom much worse and focusing on the Bottom bar<00:08:59.839><c> in</c><00:09:00.040><c> yellow</c><00:09:01.040><c> overall</c><00:09:01.560><c> 19%</c><00:09:02.160><c> of</c><00:09:02.279><c> adults</c><00:09:02.680><c> said</c>

9:02

bar in yellow overall 19% of adults said bar in yellow overall 19% of adults said that<00:09:03.440><c> changes</c><00:09:03.800><c> in</c><00:09:03.920><c> the</c><00:09:04.079><c> prices</c><00:09:04.519><c> they</c><00:09:04.720><c> paid</c>

9:05

that changes in the prices they paid that changes in the prices they paid compared<00:09:05.399><c> to</c><00:09:05.560><c> last</c><00:09:05.760><c> year</c><00:09:05.920><c> made</c><00:09:06.120><c> their</c> compared to last year made their compared to last year made their financial<00:09:06.760><c> situation</c><00:09:07.240><c> much</c><00:09:08.000><c> worse</c><00:09:09.000><c> looking</c>

9:09

financial situation much worse looking financial situation much worse looking at<00:09:09.399><c> the</c><00:09:09.560><c> top</c><00:09:09.800><c> set</c><00:09:09.959><c> of</c><00:09:10.079><c> bars</c><00:09:10.480><c> the</c><00:09:10.600><c> ones</c><00:09:10.760><c> in</c> at the top set of bars the ones in at the top set of bars the ones in medium<00:09:11.279><c> blue</c><00:09:11.680><c> this</c><00:09:11.760><c> share</c><00:09:12.040><c> was</c><00:09:12.240><c> higher</c><00:09:12.560><c> among</c>

9:12

medium blue this share was higher among medium blue this share was higher among those<00:09:13.040><c> with</c><00:09:13.200><c> lower</c> those with lower those with lower income<00:09:15.079><c> and</c><00:09:15.200><c> looking</c><00:09:15.519><c> at</c><00:09:15.640><c> the</c><00:09:15.720><c> results</c><00:09:16.040><c> by</c>

9:16

income and looking at the results by income and looking at the results by rais<00:09:16.360><c> in</c><00:09:16.560><c> ethnicity</c><00:09:17.000><c> in</c><00:09:17.120><c> the</c><00:09:17.200><c> middle</c><00:09:17.440><c> set</c><00:09:17.640><c> of</c> rais in ethnicity in the middle set of rais in ethnicity in the middle set of bars<00:09:18.120><c> those</c><00:09:18.279><c> are</c><00:09:18.399><c> the</c><00:09:18.519><c> dark</c><00:09:18.760><c> blue</c><00:09:19.000><c> bars</c><00:09:19.640><c> um</c><00:09:19.959><c> the</c>

9:20

bars those are the dark blue bars um the bars those are the dark blue bars um the share<00:09:20.360><c> was</c><00:09:20.519><c> also</c><00:09:20.800><c> higher</c><00:09:21.120><c> among</c><00:09:21.480><c> Hispanic</c>

9:23

share was also higher among Hispanic share was also higher among Hispanic adults<00:09:24.200><c> now</c><00:09:24.399><c> moving</c><00:09:24.680><c> on</c><00:09:24.800><c> to</c><00:09:25.000><c> slide</c><00:09:25.320><c> 13</c><00:09:26.120><c> we</c><00:09:26.320><c> also</c>

9:26

adults now moving on to slide 13 we also adults now moving on to slide 13 we also asked<00:09:26.920><c> people</c><00:09:27.320><c> what</c><00:09:27.519><c> they</c><00:09:27.959><c> what</c><00:09:28.200><c> actions</c><00:09:28.600><c> they</c>

9:28

asked people what they what actions they asked people what they what actions they had<00:09:28.880><c> taken</c><00:09:29.200><c> in</c><00:09:29.560><c> responses</c><00:09:30.079><c> to</c><00:09:30.279><c> higher</c><00:09:30.959><c> prices</c>

9:31

had taken in responses to higher prices had taken in responses to higher prices in<00:09:32.079><c> the</c><00:09:32.279><c> top</c><00:09:32.519><c> set</c><00:09:32.680><c> of</c><00:09:32.839><c> bars</c><00:09:33.200><c> spending</c> in the top set of bars spending in the top set of bars spending responses<00:09:34.320><c> were</c><00:09:34.519><c> the</c><00:09:34.640><c> most</c><00:09:34.920><c> common</c><00:09:35.200><c> action</c>

9:35

responses were the most common action responses were the most common action people<00:09:35.800><c> took</c><00:09:36.079><c> in</c><00:09:36.279><c> response</c><00:09:36.640><c> to</c><00:09:36.760><c> higher</c><00:09:37.040><c> prices</c> people took in response to higher prices people took in response to higher prices including<00:09:37.839><c> switcher</c><00:09:38.200><c> to</c><00:09:38.399><c> cheap</c><00:09:39.120><c> switching</c><00:09:39.440><c> to</c>

9:39

including switcher to cheap switching to including switcher to cheap switching to cheaper<00:09:39.959><c> products</c><00:09:40.440><c> and</c><00:09:40.560><c> using</c><00:09:40.920><c> less</c><00:09:41.160><c> of</c><00:09:41.320><c> a</c>

9:41

cheaper products and using less of a cheaper products and using less of a prodct<00:09:42.880><c> in</c><00:09:43.000><c> the</c><00:09:43.120><c> middle</c><00:09:43.440><c> set</c><00:09:43.600><c> of</c><00:09:43.720><c> bars</c>

9:44

prodct in the middle set of bars prodct in the middle set of bars reducing<00:09:44.519><c> savings</c><00:09:44.920><c> was</c><00:09:45.120><c> much</c><00:09:45.360><c> more</c><00:09:45.560><c> common</c> reducing savings was much more common reducing savings was much more common than<00:09:46.040><c> increasing</c>

9:47

than increasing than increasing borrowing<00:09:48.079><c> and</c><00:09:48.200><c> in</c><00:09:48.360><c> the</c><00:09:48.480><c> bottom</c><00:09:48.760><c> set</c><00:09:48.959><c> of</c><00:09:49.120><c> bars</c>

9:49

borrowing and in the bottom set of bars borrowing and in the bottom set of bars responses<00:09:50.160><c> related</c><00:09:50.480><c> to</c><00:09:50.640><c> generating</c><00:09:51.200><c> income</c> responses related to generating income responses related to generating income like<00:09:51.800><c> working</c><00:09:52.160><c> more</c><00:09:52.640><c> asking</c><00:09:52.920><c> for</c><00:09:53.040><c> a</c><00:09:53.160><c> raise</c>

9:53

like working more asking for a raise like working more asking for a raise were<00:09:54.120><c> less</c><00:09:54.399><c> common</c><00:09:55.120><c> responses</c><00:09:56.120><c> and</c><00:09:56.279><c> note</c><00:09:56.560><c> that</c>

9:56

were less common responses and note that were less common responses and note that ask<00:09:56.959><c> for</c><00:09:57.160><c> arrays</c><00:09:57.640><c> here</c><00:09:58.160><c> um</c><00:09:58.480><c> reflects</c><00:09:58.880><c> only</c>

9:59

ask for arrays here um reflects only ask for arrays here um reflects only those<00:09:59.440><c> people</c><00:09:59.640><c> who</c><00:09:59.800><c> said</c><00:10:00.000><c> that</c><00:10:00.160><c> they</c> those people who said that they those people who said that they specifically<00:10:00.959><c> asked</c><00:10:01.240><c> for</c><00:10:01.360><c> a</c><00:10:01.519><c> raise</c><00:10:01.760><c> and</c>

10:01

specifically asked for a raise and specifically asked for a raise and response<00:10:02.440><c> to</c><00:10:02.600><c> higher</c><00:10:03.399><c> prices</c><00:10:04.399><c> now</c><00:10:04.600><c> we</c><00:10:04.720><c> also</c>

10:04

response to higher prices now we also response to higher prices now we also feel<00:10:05.320><c> that</c><00:10:05.480><c> this</c><00:10:05.680><c> same</c><00:10:05.959><c> question</c><00:10:06.240><c> in</c><00:10:06.399><c> 2022</c><00:10:07.160><c> and</c>

10:07

feel that this same question in 2022 and feel that this same question in 2022 and we've<00:10:07.519><c> included</c><00:10:07.920><c> the</c><00:10:08.079><c> results</c><00:10:08.440><c> from</c><00:10:08.720><c> that</c> we've included the results from that we've included the results from that year<00:10:09.519><c> in</c><00:10:09.720><c> this</c><00:10:10.000><c> um</c><00:10:10.160><c> figure</c><00:10:10.560><c> as</c><00:10:10.760><c> well</c><00:10:11.480><c> and</c>

10:11

year in this um figure as well and year in this um figure as well and compared<00:10:12.040><c> to</c><00:10:12.240><c> actions</c><00:10:12.560><c> that</c><00:10:12.760><c> people</c><00:10:13.000><c> reported</c> compared to actions that people reported compared to actions that people reported taken<00:10:13.800><c> in</c><00:10:14.040><c> the</c><00:10:14.440><c> um</c><00:10:14.640><c> the</c><00:10:14.760><c> prior</c><00:10:15.040><c> year</c><00:10:15.360><c> survey</c><00:10:15.839><c> in</c>

10:16

taken in the um the prior year survey in taken in the um the prior year survey in 2023<00:10:16.959><c> people</c><00:10:17.200><c> were</c><00:10:17.480><c> less</c><00:10:17.720><c> likely</c><00:10:18.000><c> to</c><00:10:18.200><c> report</c>

10:18

2023 people were less likely to report 2023 people were less likely to report that<00:10:18.800><c> they</c><00:10:18.920><c> were</c><00:10:19.440><c> um</c><00:10:19.560><c> changing</c><00:10:19.880><c> their</c> that they were um changing their that they were um changing their spending<00:10:20.440><c> in</c><00:10:20.640><c> responses</c><00:10:21.120><c> to</c><00:10:21.279><c> higher</c><00:10:21.800><c> prices</c>

10:22

spending in responses to higher prices spending in responses to higher prices and<00:10:23.000><c> also</c><00:10:23.360><c> less</c><00:10:23.600><c> likely</c><00:10:23.839><c> to</c><00:10:23.920><c> say</c><00:10:24.079><c> they</c><00:10:24.200><c> reduced</c> and also less likely to say they reduced and also less likely to say they reduced their<00:10:24.680><c> savings</c><00:10:25.279><c> but</c><00:10:25.399><c> they</c><00:10:25.480><c> were</c><00:10:25.680><c> slightly</c>

10:26

their savings but they were slightly their savings but they were slightly more<00:10:26.519><c> likely</c><00:10:26.800><c> to</c><00:10:26.920><c> say</c><00:10:27.079><c> that</c><00:10:27.240><c> they</c><00:10:27.360><c> asked</c><00:10:27.680><c> for</c> more likely to say that they asked for more likely to say that they asked for no<00:10:28.079><c> rates</c>

10:30

no rates no rates now<00:10:30.800><c> moving</c><00:10:31.079><c> on</c><00:10:31.240><c> to</c><00:10:31.399><c> slide</c> now moving on to slide now moving on to slide 14<00:10:33.279><c> in</c><00:10:33.480><c> addition</c><00:10:33.800><c> to</c><00:10:33.920><c> the</c><00:10:34.320><c> um</c><00:10:34.440><c> openend</c>

10:35

14 in addition to the um openend 14 in addition to the um openend question<00:10:35.399><c> I</c><00:10:35.600><c> asked</c><00:10:36.160><c> I</c><00:10:36.320><c> talked</c><00:10:36.560><c> about</c><00:10:36.800><c> before</c>

10:37

question I asked I talked about before question I asked I talked about before um<00:10:37.920><c> about</c><00:10:38.160><c> people's</c><00:10:38.480><c> Main</c><00:10:38.720><c> Financial</c> um about people's Main Financial um about people's Main Financial challenges<00:10:39.560><c> or</c><00:10:39.760><c> concerns</c><00:10:40.279><c> shed</c><00:10:40.639><c> includes</c><00:10:41.000><c> a</c>

10:41

challenges or concerns shed includes a challenges or concerns shed includes a number<00:10:41.399><c> of</c><00:10:41.600><c> other</c><00:10:41.880><c> questions</c><00:10:42.200><c> that</c><00:10:42.399><c> provide</c> number of other questions that provide number of other questions that provide insights<00:10:43.200><c> on</c><00:10:43.320><c> a</c><00:10:43.480><c> range</c><00:10:43.760><c> of</c><00:10:43.920><c> different</c>

10:44

insights on a range of different insights on a range of different challenges<00:10:44.680><c> that</c><00:10:44.839><c> people</c><00:10:45.079><c> can</c><00:10:45.480><c> face</c><00:10:46.480><c> and</c>

10:46

challenges that people can face and challenges that people can face and skipping<00:10:47.000><c> medical</c><00:10:47.360><c> care</c><00:10:47.639><c> because</c><00:10:47.880><c> of</c><00:10:48.079><c> cost</c><00:10:48.440><c> is</c> skipping medical care because of cost is skipping medical care because of cost is a<00:10:48.760><c> type</c><00:10:48.920><c> of</c><00:10:49.079><c> hardship</c><00:10:49.600><c> and</c><00:10:49.760><c> one</c><00:10:49.920><c> that</c><00:10:50.040><c> we're</c>

10:50

a type of hardship and one that we're a type of hardship and one that we're able<00:10:50.360><c> to</c><00:10:50.519><c> track</c><00:10:50.839><c> over</c><00:10:51.120><c> time</c><00:10:51.320><c> with</c><00:10:51.440><c> the</c><00:10:51.760><c> survey</c>

10:52

able to track over time with the survey able to track over time with the survey so<00:10:52.920><c> if</c><00:10:53.000><c> you</c><00:10:53.120><c> look</c><00:10:53.320><c> at</c><00:10:53.440><c> the</c><00:10:53.560><c> right</c><00:10:53.760><c> end</c><00:10:53.920><c> of</c><00:10:54.040><c> the</c> so if you look at the right end of the so if you look at the right end of the figure<00:10:54.720><c> in</c><00:10:54.920><c> 2023</c><00:10:55.880><c> 27%</c><00:10:56.680><c> of</c><00:10:56.800><c> adults</c><00:10:57.120><c> went</c>

10:57

figure in 2023 27% of adults went figure in 2023 27% of adults went without<00:10:57.680><c> some</c><00:10:57.880><c> form</c><00:10:58.079><c> of</c><00:10:58.279><c> medical</c><00:10:58.639><c> care</c> without some form of medical care without some form of medical care because<00:10:59.360><c> could</c><00:10:59.519><c> not</c><00:10:59.680><c> afford</c><00:10:59.959><c> it</c><00:11:00.279><c> which</c><00:11:00.399><c> is</c>

11:00

because could not afford it which is because could not afford it which is similar<00:11:00.839><c> to</c><00:11:00.959><c> this</c><00:11:01.079><c> year</c><00:11:01.240><c> in</c><00:11:01.440><c> 2022</c><00:11:02.440><c> but</c><00:11:02.639><c> up</c><00:11:02.839><c> from</c>

11:03

similar to this year in 2022 but up from similar to this year in 2022 but up from 2021<00:11:04.760><c> now</c><00:11:04.959><c> although</c><00:11:05.240><c> we</c><00:11:05.320><c> don't</c><00:11:05.519><c> show</c><00:11:05.720><c> it</c><00:11:05.880><c> on</c>

11:05

2021 now although we don't show it on 2021 now although we don't show it on the<00:11:06.160><c> slide</c><00:11:06.519><c> we</c><00:11:06.639><c> ask</c><00:11:06.839><c> a</c><00:11:06.959><c> followup</c><00:11:07.519><c> question</c> the slide we ask a followup question the slide we ask a followup question about<00:11:08.120><c> the</c><00:11:08.279><c> types</c><00:11:08.519><c> of</c><00:11:08.680><c> medical</c><00:11:09.040><c> care</c><00:11:09.279><c> that</c>

11:09

about the types of medical care that about the types of medical care that people people people skipped<00:11:11.440><c> um</c><00:11:11.920><c> and</c><00:11:12.160><c> dental</c><00:11:12.440><c> care</c><00:11:12.639><c> was</c><00:11:12.760><c> the</c><00:11:12.880><c> most</c>

11:13

skipped um and dental care was the most skipped um and dental care was the most frequently<00:11:13.519><c> mentioned</c><00:11:14.040><c> followed</c><00:11:14.399><c> by</c> frequently mentioned followed by frequently mentioned followed by visiting<00:11:14.880><c> a</c><00:11:15.040><c> doctor</c><00:11:15.720><c> some</c><00:11:15.959><c> people</c><00:11:16.200><c> also</c>

11:16

visiting a doctor some people also visiting a doctor some people also reported<00:11:16.959><c> they</c><00:11:17.079><c> skipped</c><00:11:17.560><c> um</c><00:11:17.720><c> prescription</c> reported they skipped um prescription reported they skipped um prescription medicine<00:11:19.040><c> followup</c><00:11:19.560><c> care</c><00:11:19.720><c> or</c><00:11:19.880><c> Mental</c><00:11:20.160><c> Health</c>

11:21

medicine followup care or Mental Health medicine followup care or Mental Health visits<00:11:22.720><c> now</c><00:11:22.920><c> turning</c><00:11:23.279><c> to</c><00:11:23.440><c> slide</c>

11:24

visits now turning to slide visits now turning to slide 15<00:11:25.320><c> um</c><00:11:25.480><c> I</c><00:11:25.600><c> mentioned</c><00:11:25.959><c> that</c><00:11:26.120><c> one</c><00:11:26.240><c> of</c><00:11:26.360><c> the</c><00:11:26.480><c> new</c>

11:26

15 um I mentioned that one of the new 15 um I mentioned that one of the new questions<00:11:27.040><c> that</c><00:11:27.200><c> we</c><00:11:27.320><c> added</c><00:11:27.600><c> to</c><00:11:27.760><c> the</c><00:11:27.880><c> survey</c> questions that we added to the survey questions that we added to the survey this<00:11:28.360><c> year</c><00:11:28.519><c> was</c><00:11:28.639><c> about</c><00:11:28.800><c> food</c><00:11:29.040><c> and</c><00:11:29.440><c> efficiency</c>

11:30

this year was about food and efficiency this year was about food and efficiency and<00:11:30.639><c> which</c><00:11:30.880><c> the</c><00:11:31.000><c> USDA</c><00:11:31.800><c> defines</c><00:11:32.200><c> as</c><00:11:32.680><c> sometimes</c>

11:32

and which the USDA defines as sometimes and which the USDA defines as sometimes or<00:11:33.160><c> often</c><00:11:33.480><c> not</c><00:11:33.720><c> having</c><00:11:33.959><c> enough</c><00:11:34.279><c> to</c><00:11:34.800><c> eat</c><00:11:35.800><c> to</c>

11:35

or often not having enough to eat to or often not having enough to eat to help<00:11:36.200><c> paint</c><00:11:36.399><c> a</c><00:11:36.519><c> picture</c><00:11:36.760><c> of</c><00:11:36.839><c> the</c><00:11:36.959><c> economic</c> help paint a picture of the economic help paint a picture of the economic hardships<00:11:37.880><c> that</c><00:11:38.040><c> people</c><00:11:38.279><c> face</c><00:11:38.680><c> on</c><00:11:38.959><c> on</c><00:11:39.160><c> this</c>

11:39

hardships that people face on on this hardships that people face on on this figure<00:11:39.639><c> we</c><00:11:39.800><c> included</c><00:11:40.200><c> the</c><00:11:40.360><c> results</c><00:11:40.680><c> from</c><00:11:40.839><c> that</c> figure we included the results from that figure we included the results from that new<00:11:41.320><c> question</c><00:11:42.000><c> which</c><00:11:42.120><c> are</c><00:11:42.279><c> shown</c><00:11:42.519><c> in</c><00:11:42.680><c> yellow</c>

11:43

new question which are shown in yellow new question which are shown in yellow along<00:11:43.360><c> with</c><00:11:43.480><c> the</c><00:11:43.600><c> inability</c><00:11:44.120><c> to</c><00:11:44.279><c> pay</c><00:11:44.480><c> bills</c> along with the inability to pay bills along with the inability to pay bills and<00:11:45.040><c> medium</c><00:11:45.440><c> blue</c><00:11:45.680><c> in</c><00:11:45.800><c> the</c><00:11:45.880><c> middle</c><00:11:46.600><c> and</c>

11:46

and medium blue in the middle and and medium blue in the middle and skipping<00:11:47.160><c> Medical</c><00:11:47.480><c> Care</c><00:11:47.680><c> due</c><00:11:47.839><c> to</c><00:11:48.040><c> cost</c><00:11:48.360><c> and</c> skipping Medical Care due to cost and skipping Medical Care due to cost and dark<00:11:48.920><c> blue</c><00:11:49.920><c> now</c><00:11:50.079><c> if</c><00:11:50.160><c> you</c><00:11:50.279><c> start</c><00:11:50.519><c> at</c><00:11:50.639><c> the</c><00:11:50.760><c> bottom</c>

11:51

dark blue now if you start at the bottom dark blue now if you start at the bottom of<00:11:51.160><c> the</c><00:11:51.279><c> figure</c><00:11:51.760><c> overall</c><00:11:52.160><c> we</c><00:11:52.279><c> see</c><00:11:52.480><c> that</c><00:11:52.639><c> 7%</c><00:11:53.200><c> of</c>

11:53

of the figure overall we see that 7% of of the figure overall we see that 7% of adults<00:11:54.040><c> sometimes</c><00:11:54.240><c> or</c><00:11:54.480><c> often</c><00:11:54.800><c> did</c><00:11:54.959><c> not</c><00:11:55.160><c> have</c> adults sometimes or often did not have adults sometimes or often did not have enough<00:11:55.519><c> to</c><00:11:55.639><c> eat</c><00:11:55.800><c> in</c><00:11:55.920><c> the</c><00:11:56.000><c> month</c><00:11:56.240><c> prior</c><00:11:56.480><c> to</c><00:11:56.600><c> the</c>

11:56

enough to eat in the month prior to the enough to eat in the month prior to the survey<00:11:57.880><c> 177%</c><00:11:58.600><c> were</c><00:11:58.720><c> not</c><00:11:58.839><c> able</c><00:11:59.000><c> to</c><00:11:59.279><c> pay</c><00:11:59.399><c> all</c>

11:59

survey 177% were not able to pay all survey 177% were not able to pay all their<00:11:59.639><c> bills</c><00:11:59.839><c> in</c><00:12:00.000><c> full</c><00:12:00.200><c> in</c><00:12:00.320><c> the</c><00:12:00.399><c> month</c><00:12:00.680><c> prior</c> their bills in full in the month prior their bills in full in the month prior to<00:12:01.040><c> the</c><00:12:01.160><c> survey</c><00:12:01.920><c> and</c><00:12:02.079><c> 27%</c><00:12:02.959><c> skipped</c><00:12:03.320><c> Medical</c>

12:03

to the survey and 27% skipped Medical to the survey and 27% skipped Medical Care<00:12:03.839><c> due</c><00:12:04.000><c> to</c><00:12:04.200><c> cost</c><00:12:04.519><c> in</c><00:12:04.639><c> the</c><00:12:04.760><c> prior</c><00:12:05.079><c> 12</c><00:12:05.560><c> months</c>

12:06

Care due to cost in the prior 12 months Care due to cost in the prior 12 months now<00:12:06.680><c> the</c><00:12:06.800><c> bars</c><00:12:07.040><c> of</c><00:12:07.200><c> the</c><00:12:07.399><c> top</c><00:12:07.560><c> of</c><00:12:07.639><c> the</c><00:12:07.760><c> figure</c> now the bars of the top of the figure now the bars of the top of the figure show<00:12:08.279><c> that</c><00:12:08.399><c> these</c><00:12:08.600><c> measures</c><00:12:09.279><c> for</c><00:12:09.480><c> different</c>

12:09

show that these measures for different show that these measures for different income<00:12:10.160><c> groups</c><00:12:10.839><c> and</c><00:12:11.000><c> it's</c><00:12:11.200><c> perhaps</c><00:12:11.560><c> not</c>

12:11

income groups and it's perhaps not income groups and it's perhaps not surprising<00:12:12.240><c> that</c><00:12:12.360><c> we</c><00:12:12.480><c> see</c><00:12:12.680><c> differences</c><00:12:13.079><c> in</c> surprising that we see differences in surprising that we see differences in the<00:12:13.440><c> prevalence</c><00:12:13.839><c> of</c><00:12:13.959><c> hardship</c><00:12:14.440><c> by</c><00:12:14.720><c> income</c><00:12:15.720><c> but</c>

12:15

the prevalence of hardship by income but the prevalence of hardship by income but it's<00:12:16.040><c> striking</c><00:12:16.440><c> how</c><00:12:16.639><c> high</c><00:12:16.800><c> the</c><00:12:16.920><c> incidence</c><00:12:17.399><c> was</c> it's striking how high the incidence was it's striking how high the incidence was for<00:12:17.720><c> lwi</c><00:12:17.959><c> income</c><00:12:18.360><c> adults</c><00:12:18.800><c> despite</c><00:12:19.160><c> the</c>

12:19

for lwi income adults despite the for lwi income adults despite the presence<00:12:19.839><c> of</c><00:12:20.560><c> of</c><00:12:20.760><c> safety</c><00:12:21.120><c> net</c><00:12:21.360><c> programs</c><00:12:21.720><c> like</c>

12:21

presence of of safety net programs like presence of of safety net programs like Snap<00:12:22.240><c> and</c>

12:27

Medicaid um now that concludes my Medicaid um now that concludes my portion<00:12:27.279><c> of</c><00:12:27.399><c> the</c><00:12:27.560><c> presentation</c><00:12:28.360><c> but</c><00:12:28.680><c> before</c> portion of the presentation but before portion of the presentation but before we<00:12:29.240><c> continue</c><00:12:29.680><c> we</c><00:12:29.839><c> have</c><00:12:29.959><c> a</c><00:12:30.120><c> polling</c><00:12:30.560><c> question</c>

12:31

we continue we have a polling question we continue we have a polling question um<00:12:31.639><c> it</c><00:12:31.760><c> should</c><00:12:32.040><c> be</c><00:12:32.320><c> popping</c><00:12:32.639><c> up</c><00:12:32.800><c> on</c><00:12:32.959><c> your</c>

12:33

um it should be popping up on your um it should be popping up on your screen<00:12:33.720><c> soon</c><00:12:34.399><c> um</c><00:12:34.600><c> if</c><00:12:34.720><c> it</c><00:12:34.880><c> hasn't</c><00:12:35.360><c> already</c><00:12:36.360><c> um</c>

12:36

screen soon um if it hasn't already um screen soon um if it hasn't already um and<00:12:36.760><c> that</c><00:12:36.920><c> questions</c><00:12:37.320><c> about</c><00:12:37.639><c> what</c><00:12:37.920><c> what</c><00:12:38.079><c> is</c> and that questions about what what is and that questions about what what is the<00:12:38.440><c> biggest</c><00:12:38.760><c> Financial</c><00:12:39.199><c> challenge</c><00:12:39.560><c> that</c><00:12:39.720><c> you</c>

12:39

the biggest Financial challenge that you the biggest Financial challenge that you hear<00:12:40.040><c> about</c><00:12:40.320><c> in</c><00:12:40.480><c> your</c><00:12:41.120><c> community</c><00:12:42.120><c> um</c><00:12:42.480><c> and</c>

12:42

hear about in your community um and hear about in your community um and there<00:12:42.680><c> are</c><00:12:42.800><c> a</c><00:12:42.880><c> number</c><00:12:43.079><c> of</c><00:12:43.199><c> different</c><00:12:43.480><c> answers</c> there are a number of different answers there are a number of different answers for<00:12:44.560><c> that</c><00:12:44.839><c> and</c><00:12:44.959><c> so</c><00:12:45.160><c> we</c><00:12:45.279><c> look</c><00:12:45.399><c> forward</c><00:12:45.680><c> to</c>

12:45

for that and so we look forward to for that and so we look forward to hearing<00:12:46.000><c> your</c><00:12:46.199><c> responses</c><00:12:46.680><c> and</c><00:12:46.800><c> we'll</c><00:12:47.000><c> come</c> hearing your responses and we'll come hearing your responses and we'll come back<00:12:47.320><c> to</c><00:12:47.480><c> those</c><00:12:47.720><c> results</c><00:12:48.160><c> at</c><00:12:48.279><c> the</c><00:12:48.399><c> end</c><00:12:48.560><c> of</c><00:12:48.639><c> the</c>

12:49

back to those results at the end of the back to those results at the end of the presentation<00:12:50.160><c> but</c><00:12:50.320><c> now</c><00:12:50.560><c> I</c><00:12:50.639><c> will</c><00:12:50.800><c> turn</c><00:12:51.040><c> the</c>

12:51

presentation but now I will turn the presentation but now I will turn the floor<00:12:51.440><c> over</c><00:12:51.639><c> to</c>

12:53

floor over to floor over to Anna<00:12:54.720><c> thank</c><00:12:54.920><c> you</c><00:12:55.360><c> Ellen</c><00:12:56.360><c> starting</c><00:12:56.720><c> on</c><00:12:56.920><c> slide</c>

12:57

Anna thank you Ellen starting on slide Anna thank you Ellen starting on slide 16<00:12:58.000><c> I'm</c><00:12:58.120><c> now</c><00:12:58.240><c> going</c><00:12:58.360><c> to</c><00:12:58.480><c> share</c><00:12:58.680><c> some</c><00:12:58.839><c> results</c>

12:59

16 I'm now going to share some results 16 I'm now going to share some results on<00:12:59.440><c> housing</c><00:13:00.279><c> and</c><00:13:00.519><c> specifically</c><00:13:00.959><c> I'm</c><00:13:01.040><c> going</c><00:13:01.160><c> to</c>

13:01

on housing and specifically I'm going to on housing and specifically I'm going to focus<00:13:01.560><c> on</c><00:13:01.720><c> renters</c><00:13:02.120><c> for</c><00:13:02.279><c> the</c><00:13:02.399><c> first</c><00:13:02.639><c> few</c>

13:03

focus on renters for the first few focus on renters for the first few slides<00:13:04.360><c> we</c><00:13:04.519><c> focus</c><00:13:04.800><c> on</c><00:13:05.000><c> renters</c><00:13:05.399><c> and</c><00:13:05.560><c> the</c>

13:05

slides we focus on renters and the slides we focus on renters and the challenges<00:13:06.240><c> they</c><00:13:06.440><c> face</c><00:13:06.959><c> partly</c><00:13:07.399><c> because</c><00:13:07.639><c> one</c>

13:07

challenges they face partly because one challenges they face partly because one of<00:13:07.880><c> the</c><00:13:08.000><c> goals</c><00:13:08.199><c> of</c><00:13:08.320><c> shed</c><00:13:08.680><c> is</c><00:13:08.800><c> to</c><00:13:09.000><c> provide</c> of the goals of shed is to provide of the goals of shed is to provide insight<00:13:09.720><c> into</c><00:13:09.920><c> the</c><00:13:10.079><c> financial</c><00:13:10.600><c> circumstances</c>

13:11

insight into the financial circumstances insight into the financial circumstances of<00:13:11.519><c> low</c><00:13:11.720><c> and</c><00:13:11.880><c> moderate</c><00:13:12.199><c> income</c><00:13:12.519><c> adults</c><00:13:13.399><c> and</c>

13:13

of low and moderate income adults and of low and moderate income adults and this<00:13:13.639><c> is</c><00:13:13.760><c> a</c><00:13:13.920><c> group</c><00:13:14.160><c> that</c><00:13:14.320><c> disproportionately</c> this is a group that disproportionately this is a group that disproportionately rents<00:13:15.440><c> their</c>

13:16

rents their rents their home<00:13:17.600><c> turning</c><00:13:17.959><c> to</c><00:13:18.120><c> slide</c>

13:19

home turning to slide home turning to slide 17<00:13:20.680><c> one</c><00:13:20.920><c> challenge</c><00:13:21.279><c> for</c><00:13:21.480><c> renters</c><00:13:21.959><c> that</c><00:13:22.079><c> showed</c>

13:22

17 one challenge for renters that showed 17 one challenge for renters that showed up<00:13:22.519><c> in</c><00:13:22.680><c> results</c><00:13:23.000><c> from</c><00:13:23.320><c> several</c><00:13:23.720><c> questions</c><00:13:24.079><c> on</c> up in results from several questions on up in results from several questions on the<00:13:24.360><c> survey</c><00:13:24.680><c> in</c><00:13:24.920><c> 2023</c><00:13:25.920><c> was</c><00:13:26.120><c> the</c><00:13:26.279><c> increasing</c>

13:26

the survey in 2023 was the increasing the survey in 2023 was the increasing cost<00:13:27.120><c> of</c><00:13:27.600><c> rent</c><00:13:28.600><c> as</c><00:13:28.720><c> shown</c><00:13:28.959><c> in</c><00:13:29.040><c> the</c><00:13:29.160><c> in</c><00:13:29.279><c> the</c>

13:29

cost of rent as shown in the in the cost of rent as shown in the in the first<00:13:29.720><c> bullet</c><00:13:30.720><c> the</c><00:13:30.880><c> median</c><00:13:31.360><c> monthly</c><00:13:31.720><c> rent</c>

13:31

first bullet the median monthly rent first bullet the median monthly rent payment<00:13:32.279><c> was</c><00:13:32.480><c> $1,100</c><00:13:33.480><c> in</c><00:13:34.000><c> 2023</c><00:13:35.000><c> this</c><00:13:35.160><c> is</c><00:13:35.320><c> up</c>

13:35

payment was $1,100 in 2023 this is up payment was $1,100 in 2023 this is up 10%<00:13:36.519><c> from</c>

13:38

10% from 10% from 20122<00:13:39.639><c> additionally</c><00:13:40.440><c> a</c><00:13:40.600><c> higher</c><00:13:40.800><c> share</c><00:13:41.000><c> of</c>

13:41

20122 additionally a higher share of 20122 additionally a higher share of renters<00:13:41.600><c> reported</c><00:13:42.000><c> being</c><00:13:42.240><c> behind</c><00:13:42.519><c> on</c><00:13:43.079><c> rent</c><00:13:44.079><c> as</c>

13:44

renters reported being behind on rent as renters reported being behind on rent as shown<00:13:44.399><c> in</c><00:13:44.519><c> the</c><00:13:44.680><c> second</c><00:13:45.240><c> bullet</c><00:13:46.240><c> in</c>

13:47

shown in the second bullet in shown in the second bullet in 2023<00:13:48.079><c> 19%</c><00:13:48.800><c> of</c><00:13:48.920><c> renters</c><00:13:49.360><c> reported</c><00:13:49.760><c> being</c>

13:50

2023 19% of renters reported being 2023 19% of renters reported being behind<00:13:50.399><c> on</c><00:13:50.560><c> their</c><00:13:50.759><c> rent</c><00:13:51.399><c> at</c><00:13:51.560><c> some</c><00:13:51.800><c> point</c><00:13:52.000><c> in</c>

13:52

behind on their rent at some point in behind on their rent at some point in the<00:13:52.320><c> past</c><00:13:52.680><c> year</c><00:13:53.680><c> and</c><00:13:53.880><c> this</c><00:13:54.000><c> share</c><00:13:54.360><c> also</c><00:13:54.600><c> ticked</c>

13:54

the past year and this share also ticked the past year and this share also ticked up<00:13:55.079><c> two</c><00:13:55.360><c> percentage</c><00:13:55.759><c> points</c><00:13:56.000><c> from</c><00:13:56.199><c> 2022</c>

14:06

18 in this figure we see that renters 18 in this figure we see that renters had<00:14:06.600><c> challenges</c><00:14:07.160><c> paying</c><00:14:07.399><c> for</c><00:14:07.600><c> other</c><00:14:07.800><c> bills</c> had challenges paying for other bills had challenges paying for other bills besides<00:14:08.519><c> their</c><00:14:08.680><c> monthly</c><00:14:09.000><c> rent</c>

14:10

besides their monthly rent besides their monthly rent payment<00:14:11.040><c> now</c><00:14:11.279><c> starting</c><00:14:11.639><c> on</c><00:14:11.800><c> the</c><00:14:12.000><c> right</c><00:14:12.279><c> hand</c>

14:12

payment now starting on the right hand payment now starting on the right hand side<00:14:13.120><c> of</c><00:14:13.279><c> the</c><00:14:13.959><c> figure</c><00:14:14.959><c> um</c><00:14:15.320><c> in</c><00:14:15.480><c> this</c><00:14:15.800><c> set</c><00:14:16.040><c> of</c>

14:16

side of the figure um in this set of side of the figure um in this set of three<00:14:16.480><c> bars</c><00:14:17.079><c> we</c><00:14:17.160><c> see</c><00:14:17.399><c> that</c><00:14:17.560><c> more</c><00:14:17.720><c> than</c><00:14:17.920><c> one</c> three bars we see that more than one three bars we see that more than one quarter<00:14:18.519><c> of</c><00:14:18.639><c> renters</c><00:14:19.480><c> represented</c><00:14:20.040><c> by</c><00:14:20.160><c> the</c>

14:20

quarter of renters represented by the quarter of renters represented by the darkest<00:14:20.759><c> blue</c><00:14:21.040><c> bar</c><00:14:22.040><c> had</c><00:14:22.399><c> one</c><00:14:22.839><c> at</c><00:14:23.079><c> least</c><00:14:23.320><c> one</c>

14:23

darkest blue bar had one at least one darkest blue bar had one at least one bill<00:14:23.800><c> that</c><00:14:23.920><c> wasn't</c><00:14:24.279><c> paid</c><00:14:24.560><c> in</c><00:14:24.759><c> full</c><00:14:25.279><c> in</c><00:14:25.399><c> the</c>

14:25

bill that wasn't paid in full in the bill that wasn't paid in full in the month<00:14:25.839><c> prior</c><00:14:26.079><c> to</c><00:14:26.279><c> taking</c><00:14:26.519><c> the</c><00:14:27.040><c> survey</c><00:14:28.040><c> this</c><00:14:28.160><c> is</c>

14:28

month prior to taking the survey this is month prior to taking the survey this is more<00:14:28.480><c> than</c><00:14:28.639><c> twice</c><00:14:29.120><c> the</c><00:14:29.240><c> share</c><00:14:29.440><c> of</c><00:14:29.920><c> homeowners</c>

14:30

more than twice the share of homeowners more than twice the share of homeowners and<00:14:31.040><c> homeowners</c><00:14:31.399><c> are</c><00:14:31.519><c> represented</c><00:14:31.959><c> by</c><00:14:32.120><c> the</c> and homeowners are represented by the and homeowners are represented by the lightest<00:14:32.600><c> blue</c><00:14:32.839><c> bar</c>

14:34

lightest blue bar lightest blue bar here<00:14:35.360><c> now</c><00:14:35.800><c> going</c><00:14:36.040><c> over</c><00:14:36.199><c> to</c><00:14:36.399><c> the</c><00:14:36.560><c> other</c><00:14:36.839><c> side</c><00:14:37.079><c> of</c>

14:37

here now going over to the other side of here now going over to the other side of the<00:14:37.360><c> figure</c><00:14:37.839><c> looking</c><00:14:38.040><c> at</c><00:14:38.160><c> the</c><00:14:38.240><c> set</c><00:14:38.399><c> of</c><00:14:38.519><c> bars</c><00:14:38.759><c> on</c> the figure looking at the set of bars on the figure looking at the set of bars on the<00:14:39.040><c> left</c><00:14:39.440><c> we</c><00:14:39.519><c> see</c><00:14:39.720><c> that</c><00:14:39.880><c> utility</c><00:14:40.360><c> bills</c><00:14:41.199><c> such</c>

14:41

the left we see that utility bills such the left we see that utility bills such as<00:14:41.600><c> water</c><00:14:42.120><c> gas</c><00:14:42.360><c> and</c><00:14:42.519><c> electric</c>

14:43

as water gas and electric as water gas and electric bills<00:14:44.480><c> had</c><00:14:44.680><c> the</c><00:14:44.800><c> highest</c><00:14:45.120><c> shares</c><00:14:45.720><c> had</c><00:14:45.880><c> the</c>

14:45

bills had the highest shares had the bills had the highest shares had the highest<00:14:46.279><c> rates</c><00:14:46.519><c> of</c><00:14:46.680><c> not</c><00:14:46.880><c> being</c><00:14:47.160><c> paid</c><00:14:47.360><c> in</c><00:14:47.560><c> full</c>

14:48

highest rates of not being paid in full highest rates of not being paid in full with<00:14:48.720><c> 11%</c><00:14:49.360><c> of</c><00:14:49.480><c> renters</c><00:14:49.880><c> making</c><00:14:50.240><c> less</c><00:14:50.440><c> than</c><00:14:50.560><c> the</c>

14:50

with 11% of renters making less than the with 11% of renters making less than the full<00:14:50.920><c> payment</c><00:14:51.240><c> in</c><00:14:51.360><c> the</c><00:14:51.480><c> prior</c>

14:58

month now moving towards uh to the right month now moving towards uh to the right through<00:14:58.320><c> this</c><00:14:58.480><c> figure</c><00:14:58.759><c> we</c><00:14:59.120><c> also</c><00:14:59.279><c> see</c><00:14:59.519><c> that</c><00:14:59.680><c> 8%</c>

15:00

through this figure we also see that 8% through this figure we also see that 8% of<00:15:00.399><c> renters</c><00:15:01.320><c> didn't</c><00:15:01.639><c> pay</c><00:15:01.839><c> their</c><00:15:02.000><c> phone</c>

15:02

of renters didn't pay their phone of renters didn't pay their phone internet<00:15:02.720><c> or</c><00:15:03.000><c> cable</c><00:15:03.560><c> cable</c><00:15:03.880><c> bill</c><00:15:04.160><c> in</c><00:15:04.279><c> the</c>

15:04

internet or cable cable bill in the internet or cable cable bill in the month<00:15:05.279><c> in</c><00:15:05.519><c> full</c><00:15:05.839><c> in</c><00:15:05.920><c> the</c><00:15:06.040><c> month</c><00:15:06.360><c> prior</c><00:15:06.639><c> to</c>

15:06

month in full in the month prior to month in full in the month prior to taking<00:15:07.120><c> the</c><00:15:07.279><c> survey</c><00:15:08.240><c> 7%</c><00:15:08.800><c> of</c><00:15:08.920><c> renters</c><00:15:09.320><c> didn't</c>

15:09

taking the survey 7% of renters didn't taking the survey 7% of renters didn't pay<00:15:09.759><c> rent</c><00:15:10.000><c> in</c><00:15:10.160><c> full</c><00:15:10.600><c> and</c><00:15:10.800><c> 6%</c><00:15:11.440><c> didn't</c><00:15:11.720><c> make</c><00:15:11.880><c> a</c>

15:11

pay rent in full and 6% didn't make a pay rent in full and 6% didn't make a full<00:15:12.240><c> car</c> full car full car payment<00:15:14.040><c> in</c><00:15:14.279><c> fact</c><00:15:14.600><c> for</c><00:15:14.800><c> each</c><00:15:15.040><c> of</c><00:15:15.360><c> the</c><00:15:15.600><c> general</c>

15:15

payment in fact for each of the general payment in fact for each of the general Bill<00:15:16.279><c> categories</c><00:15:16.680><c> in</c><00:15:16.839><c> this</c><00:15:17.000><c> figure</c><00:15:17.320><c> we</c><00:15:17.399><c> see</c> Bill categories in this figure we see Bill categories in this figure we see that<00:15:17.680><c> renters</c><00:15:18.040><c> were</c><00:15:18.360><c> less</c><00:15:18.560><c> likely</c><00:15:18.880><c> than</c>

15:19

that renters were less likely than that renters were less likely than homeowners<00:15:19.560><c> to</c><00:15:19.720><c> pay</c><00:15:19.920><c> these</c><00:15:20.120><c> types</c><00:15:20.320><c> of</c><00:15:20.440><c> bills</c> homeowners to pay these types of bills homeowners to pay these types of bills in

15:27

full moving on to slide 19 we're going full moving on to slide 19 we're going to<00:15:27.560><c> return</c><00:15:27.759><c> our</c><00:15:28.000><c> Focus</c><00:15:28.360><c> to</c><00:15:28.560><c> monthly</c><00:15:29.120><c> rental</c>

15:30

to return our Focus to monthly rental to return our Focus to monthly rental payments<00:15:31.720><c> in</c><00:15:31.920><c> this</c><00:15:32.360><c> figure</c><00:15:33.360><c> we</c><00:15:33.480><c> see</c><00:15:33.680><c> that</c>

15:33

payments in this figure we see that payments in this figure we see that renters<00:15:34.199><c> who</c><00:15:34.360><c> moved</c><00:15:34.720><c> in</c><00:15:34.880><c> the</c><00:15:35.120><c> past</c><00:15:35.440><c> two</c><00:15:35.959><c> years</c>

15:36

renters who moved in the past two years renters who moved in the past two years and<00:15:37.079><c> this</c><00:15:37.199><c> is</c><00:15:37.360><c> represented</c><00:15:37.880><c> by</c><00:15:38.000><c> the</c><00:15:38.199><c> lighter</c> and this is represented by the lighter and this is represented by the lighter of<00:15:38.759><c> the</c><00:15:38.880><c> two</c><00:15:39.120><c> Blue</c><00:15:39.759><c> Clue</c><00:15:40.160><c> Shades</c><00:15:40.759><c> here</c><00:15:41.759><c> had</c>

15:42

of the two Blue Clue Shades here had of the two Blue Clue Shades here had higher<00:15:42.440><c> rent</c><00:15:42.759><c> payments</c><00:15:43.240><c> compared</c><00:15:43.639><c> with</c><00:15:43.839><c> those</c>

15:44

higher rent payments compared with those higher rent payments compared with those who<00:15:44.199><c> moved</c><00:15:44.600><c> before</c> who moved before who moved before that<00:15:46.560><c> this</c><00:15:46.759><c> group</c><00:15:47.000><c> is</c><00:15:47.160><c> represented</c><00:15:47.639><c> by</c><00:15:47.759><c> the</c>

15:47

that this group is represented by the that this group is represented by the dark<00:15:48.160><c> blue</c> dark blue dark blue bars<00:15:50.560><c> this</c><00:15:50.680><c> was</c><00:15:50.920><c> the</c><00:15:51.079><c> case</c><00:15:51.360><c> both</c><00:15:51.639><c> overall</c><00:15:52.240><c> and</c>

15:52

bars this was the case both overall and bars this was the case both overall and across<00:15:52.800><c> different</c><00:15:53.160><c> regions</c><00:15:53.519><c> of</c><00:15:53.680><c> the</c>

15:55

across different regions of the across different regions of the country<00:15:56.160><c> it</c><00:15:56.319><c> is</c><00:15:56.519><c> important</c><00:15:56.839><c> to</c><00:15:57.000><c> note</c><00:15:57.399><c> however</c>

15:57

country it is important to note however country it is important to note however that<00:15:58.000><c> in</c><00:15:58.199><c> addition</c><00:15:58.680><c> to</c><00:15:59.199><c> reflecting</c><00:15:59.720><c> changes</c>

16:00

that in addition to reflecting changes that in addition to reflecting changes in<00:16:00.279><c> rent</c><00:16:00.519><c> prices</c><00:16:00.959><c> over</c><00:16:01.279><c> time</c><00:16:01.519><c> for</c><00:16:01.680><c> new</c><00:16:02.199><c> leases</c>

16:03

in rent prices over time for new leases in rent prices over time for new leases these<00:16:03.440><c> differences</c><00:16:03.880><c> in</c><00:16:04.120><c> rent</c><00:16:04.680><c> prices</c><00:16:05.680><c> uh</c><00:16:05.800><c> for</c>

16:05

these differences in rent prices uh for these differences in rent prices uh for those<00:16:06.160><c> who</c><00:16:06.319><c> Moved</c><00:16:06.839><c> recently</c><00:16:07.279><c> or</c><00:16:07.399><c> in</c><00:16:07.519><c> the</c><00:16:07.639><c> past</c> those who Moved recently or in the past those who Moved recently or in the past two<00:16:08.040><c> years</c><00:16:09.000><c> May</c><00:16:09.319><c> reflect</c><00:16:09.759><c> differences</c><00:16:10.160><c> in</c><00:16:10.319><c> the</c>

16:10

two years May reflect differences in the two years May reflect differences in the types<00:16:10.800><c> of</c><00:16:10.959><c> units</c><00:16:11.279><c> that</c><00:16:11.440><c> these</c><00:16:11.600><c> renters</c><00:16:12.240><c> chose</c>

16:12

types of units that these renters chose types of units that these renters chose to<00:16:12.680><c> move</c> to move to move into<00:16:14.560><c> even</c><00:16:14.800><c> so</c><00:16:15.399><c> these</c><00:16:15.639><c> results</c><00:16:16.000><c> are</c>

16:16

into even so these results are into even so these results are consistent<00:16:17.000><c> with</c><00:16:17.240><c> the</c><00:16:17.440><c> increase</c><00:16:17.839><c> in</c><00:16:18.120><c> overall</c>

16:19

consistent with the increase in overall consistent with the increase in overall rent<00:16:19.639><c> that</c><00:16:19.759><c> we've</c><00:16:20.000><c> seen</c><00:16:20.240><c> earlier</c><00:16:20.560><c> in</c><00:16:20.680><c> the</c>

16:33

this figure on slide 20 shows results this figure on slide 20 shows results from<00:16:33.880><c> a</c><00:16:34.079><c> question</c><00:16:34.519><c> that</c><00:16:34.680><c> asked</c><00:16:35.079><c> respondents</c> from a question that asked respondents from a question that asked respondents how<00:16:35.880><c> satisfied</c><00:16:36.399><c> they</c><00:16:36.480><c> were</c><00:16:37.079><c> with</c><00:16:37.319><c> various</c>

16:37

how satisfied they were with various how satisfied they were with various neighborhood neighborhood neighborhood amenities<00:16:40.319><c> starting</c><00:16:40.720><c> at</c><00:16:40.880><c> the</c><00:16:41.079><c> top</c><00:16:41.240><c> of</c><00:16:41.360><c> the</c>

16:41

amenities starting at the top of the amenities starting at the top of the figure<00:16:42.600><c> this</c><00:16:42.880><c> top</c><00:16:43.120><c> pair</c><00:16:43.319><c> of</c><00:16:43.519><c> bars</c><00:16:44.480><c> we</c><00:16:44.560><c> see</c><00:16:44.759><c> that</c>

16:44

figure this top pair of bars we see that figure this top pair of bars we see that most<00:16:45.199><c> adults</c><00:16:45.519><c> were</c><00:16:45.720><c> satisfied</c><00:16:46.199><c> with</c><00:16:46.319><c> the</c> most adults were satisfied with the most adults were satisfied with the overall<00:16:46.880><c> quality</c><00:16:47.199><c> of</c><00:16:47.319><c> their</c>

16:48

overall quality of their overall quality of their neighborhoods<00:16:49.560><c> however</c><00:16:49.920><c> when</c><00:16:50.040><c> we</c><00:16:50.199><c> jump</c><00:16:50.519><c> down</c>

16:50

neighborhoods however when we jump down neighborhoods however when we jump down to<00:16:50.959><c> the</c><00:16:51.199><c> two</c><00:16:51.480><c> bars</c><00:16:52.079><c> on</c><00:16:52.360><c> the</c><00:16:52.800><c> at</c><00:16:53.000><c> the</c><00:16:53.120><c> bottom</c><00:16:53.399><c> of</c>

16:53

to the two bars on the at the bottom of to the two bars on the at the bottom of the<00:16:53.720><c> figure</c><00:16:54.720><c> uh</c><00:16:54.839><c> we</c><00:16:54.920><c> see</c><00:16:55.160><c> that</c><00:16:55.639><c> fewer</c><00:16:56.000><c> adults</c>

16:56

the figure uh we see that fewer adults the figure uh we see that fewer adults were<00:16:56.519><c> satisfied</c><00:16:57.000><c> with</c><00:16:57.120><c> the</c><00:16:57.279><c> cost</c><00:16:57.519><c> of</c><00:16:57.680><c> housing</c> were satisfied with the cost of housing were satisfied with the cost of housing in<00:16:58.079><c> their</c><00:16:58.240><c> neighborhood</c>

16:59

in their neighborhood in their neighborhood in<00:16:59.880><c> fact</c><00:17:00.120><c> only</c><00:17:00.399><c> 29%</c><00:17:01.079><c> of</c><00:17:01.199><c> renters</c><00:17:01.600><c> said</c><00:17:01.759><c> they</c>

17:01

in fact only 29% of renters said they in fact only 29% of renters said they were<00:17:02.079><c> satisfied</c><00:17:02.560><c> with</c><00:17:02.680><c> the</c><00:17:02.839><c> cost</c><00:17:03.000><c> of</c><00:17:03.160><c> housing</c> were satisfied with the cost of housing were satisfied with the cost of housing in<00:17:03.560><c> their</c>

17:05

in their in their neighborhood<00:17:06.319><c> for</c><00:17:06.520><c> the</c><00:17:06.640><c> other</c><00:17:06.959><c> categories</c><00:17:07.600><c> we</c>

17:07

neighborhood for the other categories we neighborhood for the other categories we see<00:17:07.919><c> that</c><00:17:08.000><c> a</c><00:17:08.160><c> majority</c><00:17:08.559><c> of</c><00:17:08.720><c> parents</c><00:17:09.240><c> so</c><00:17:09.480><c> both</c> see that a majority of parents so both see that a majority of parents so both parents<00:17:09.959><c> that</c><00:17:10.079><c> rent</c><00:17:10.319><c> their</c><00:17:10.439><c> homes</c><00:17:10.839><c> and</c>

17:11

parents that rent their homes and parents that rent their homes and parents<00:17:12.319><c> um</c><00:17:12.439><c> who</c><00:17:12.559><c> own</c><00:17:12.760><c> their</c><00:17:12.919><c> homes</c><00:17:13.240><c> were</c> parents um who own their homes were parents um who own their homes were satisfied<00:17:14.000><c> with</c><00:17:14.120><c> the</c><00:17:14.240><c> quality</c><00:17:14.559><c> of</c><00:17:14.640><c> their</c>

17:14

satisfied with the quality of their satisfied with the quality of their local local local schools<00:17:17.319><c> and</c><00:17:17.600><c> with</c><00:17:17.799><c> respect</c><00:17:18.079><c> to</c><00:17:18.280><c> Crime</c><00:17:18.559><c> risk</c>

17:18

schools and with respect to Crime risk schools and with respect to Crime risk about<00:17:19.280><c> 70%</c><00:17:19.919><c> of</c><00:17:20.039><c> homeowners</c><00:17:20.600><c> and</c><00:17:20.760><c> 50%</c><00:17:21.360><c> of</c>

17:21

about 70% of homeowners and 50% of about 70% of homeowners and 50% of renters<00:17:21.919><c> said</c><00:17:22.120><c> they</c><00:17:22.199><c> were</c> renters said they were renters said they were satisfied<00:17:24.319><c> but</c><00:17:24.559><c> again</c><00:17:24.839><c> taking</c><00:17:25.120><c> this</c><00:17:25.280><c> figure</c>

17:25

satisfied but again taking this figure satisfied but again taking this figure as<00:17:25.600><c> a</c><00:17:25.760><c> whole</c><00:17:26.120><c> we</c><00:17:26.199><c> see</c><00:17:26.520><c> that</c><00:17:26.679><c> renters</c><00:17:27.079><c> were</c><00:17:27.360><c> less</c>

17:27

as a whole we see that renters were less as a whole we see that renters were less satisfied<00:17:29.039><c> with</c><00:17:29.280><c> these</c><00:17:30.000><c> um</c><00:17:30.240><c> aspects</c><00:17:30.720><c> of</c><00:17:30.840><c> their</c>

17:30

satisfied with these um aspects of their satisfied with these um aspects of their neighborhoods<00:17:31.440><c> and</c>

17:39

homeowners turning to slide homeowners turning to slide 21<00:17:40.080><c> um</c><00:17:40.600><c> I'm</c><00:17:40.799><c> going</c><00:17:40.960><c> to</c><00:17:41.960><c> uh</c><00:17:42.360><c> talk</c><00:17:42.679><c> about</c><00:17:43.039><c> and</c><00:17:43.280><c> and</c>

17:43

21 um I'm going to uh talk about and and 21 um I'm going to uh talk about and and share<00:17:43.720><c> some</c><00:17:43.880><c> of</c><00:17:44.039><c> our</c><00:17:44.200><c> new</c><00:17:44.400><c> findings</c><00:17:44.880><c> on</c> share some of our new findings on share some of our new findings on homeowners

17:46

homeowners homeowners insurance<00:17:47.320><c> in</c><00:17:47.559><c> the</c><00:17:47.880><c> 2023</c><00:17:48.679><c> shed</c><00:17:49.240><c> we</c><00:17:49.440><c> added</c><00:17:49.679><c> a</c>

17:49

insurance in the 2023 shed we added a insurance in the 2023 shed we added a new<00:17:50.080><c> question</c><00:17:50.520><c> asking</c><00:17:50.919><c> those</c><00:17:51.080><c> who</c><00:17:51.240><c> own</c><00:17:51.520><c> their</c> new question asking those who own their new question asking those who own their homes<00:17:51.960><c> free</c><00:17:52.200><c> and</c><00:17:52.360><c> clear</c><00:17:53.160><c> or</c><00:17:53.480><c> those</c><00:17:53.720><c> who</c><00:17:53.919><c> own</c>

17:54

homes free and clear or those who own homes free and clear or those who own their<00:17:54.320><c> homes</c><00:17:54.600><c> without</c><00:17:54.799><c> a</c><00:17:55.039><c> mortgage</c><00:17:56.039><c> whether</c>

17:56

their homes without a mortgage whether their homes without a mortgage whether or<00:17:56.400><c> not</c><00:17:56.600><c> they</c><00:17:56.720><c> have</c><00:17:56.880><c> homeowners</c><00:17:57.440><c> insurance</c> or not they have homeowners insurance or not they have homeowners insurance for<00:17:58.080><c> their</c><00:17:58.240><c> primary</c><00:17:58.600><c> res</c>

18:00

for their primary res for their primary res residents<00:18:01.480><c> this</c><00:18:01.720><c> topic</c><00:18:02.000><c> has</c><00:18:02.120><c> been</c> residents this topic has been residents this topic has been increasingly<00:18:02.880><c> in</c><00:18:03.000><c> the</c><00:18:03.120><c> news</c><00:18:03.720><c> both</c><00:18:04.039><c> because</c><00:18:04.240><c> of</c>

18:04

increasingly in the news both because of increasingly in the news both because of the<00:18:04.440><c> growing</c><00:18:04.799><c> cost</c><00:18:05.000><c> of</c><00:18:05.120><c> homeowners</c><00:18:05.640><c> insurance</c>

18:06

the growing cost of homeowners insurance the growing cost of homeowners insurance as<00:18:06.679><c> well</c><00:18:06.880><c> as</c><00:18:07.000><c> the</c><00:18:07.159><c> lack</c><00:18:07.360><c> of</c><00:18:07.760><c> availability</c><00:18:08.760><c> of</c>

18:08

as well as the lack of availability of as well as the lack of availability of this<00:18:09.080><c> type</c><00:18:09.280><c> of</c><00:18:09.440><c> insurance</c><00:18:10.280><c> with</c><00:18:10.520><c> some</c> this type of insurance with some this type of insurance with some insurers<00:18:11.320><c> even</c><00:18:11.559><c> pulling</c><00:18:11.880><c> out</c><00:18:12.080><c> of</c><00:18:12.240><c> certain</c>

18:12

insurers even pulling out of certain insurers even pulling out of certain States States States completely<00:18:15.520><c> the</c><00:18:15.760><c> map</c><00:18:16.000><c> on</c><00:18:16.240><c> this</c><00:18:16.520><c> slide</c><00:18:17.240><c> shows</c>

18:17

completely the map on this slide shows completely the map on this slide shows the<00:18:17.919><c> share</c><00:18:18.200><c> of</c><00:18:18.360><c> homeowners</c><00:18:19.039><c> without</c>

18:19

the share of homeowners without the share of homeowners without homeowners<00:18:20.480><c> insurance</c><00:18:21.480><c> um</c><00:18:22.080><c> among</c><00:18:22.480><c> those</c><00:18:22.919><c> who</c>

18:23

homeowners insurance um among those who homeowners insurance um among those who own<00:18:23.480><c> their</c><00:18:23.640><c> home</c><00:18:23.799><c> and</c><00:18:23.960><c> don't</c><00:18:24.200><c> have</c><00:18:24.320><c> a</c><00:18:24.480><c> mortgage</c> own their home and don't have a mortgage own their home and don't have a mortgage by<00:18:25.240><c> census</c><00:18:25.799><c> division</c>

18:29

to start we're going to focus on the to start we're going to focus on the dark<00:18:31.159><c> pink</c><00:18:31.960><c> region</c><00:18:32.960><c> um</c><00:18:33.200><c> here</c><00:18:33.840><c> 26%</c><00:18:34.840><c> of</c><00:18:35.280><c> those</c>

18:35

dark pink region um here 26% of those dark pink region um here 26% of those living<00:18:36.159><c> in</c><00:18:36.360><c> the</c><00:18:36.559><c> West</c><00:18:36.960><c> South</c><00:18:37.240><c> Central</c> living in the West South Central living in the West South Central Division<00:18:38.640><c> um</c><00:18:38.799><c> this</c><00:18:38.919><c> is</c><00:18:39.080><c> made</c><00:18:39.280><c> up</c><00:18:39.480><c> for</c><00:18:39.640><c> the</c>

18:39

Division um this is made up for the Division um this is made up for the states<00:18:39.960><c> of</c><00:18:40.159><c> Arkansas</c><00:18:40.760><c> Louisiana</c><00:18:41.520><c> Oklahoma</c>

18:42

states of Arkansas Louisiana Oklahoma states of Arkansas Louisiana Oklahoma and<00:18:42.240><c> Texas</c><00:18:43.240><c> did</c><00:18:43.480><c> not</c><00:18:43.720><c> have</c><00:18:43.880><c> homeowners</c>

18:46

and Texas did not have homeowners and Texas did not have homeowners insurance<00:18:47.039><c> we</c><00:18:47.320><c> also</c><00:18:47.640><c> found</c><00:18:48.120><c> that</c><00:18:48.880><c> um</c>

18:49

insurance we also found that um insurance we also found that um homeowners<00:18:49.480><c> living</c><00:18:49.679><c> in</c><00:18:49.840><c> these</c><00:18:49.960><c> four</c><00:18:50.200><c> states</c> homeowners living in these four states homeowners living in these four states were<00:18:50.679><c> the</c><00:18:50.840><c> most</c><00:18:51.080><c> likely</c><00:18:51.360><c> to</c><00:18:51.559><c> report</c><00:18:51.960><c> being</c>

18:52

were the most likely to report being were the most likely to report being affected<00:18:52.760><c> financially</c><00:18:53.320><c> by</c><00:18:53.480><c> a</c><00:18:53.600><c> natural</c>

18:55

affected financially by a natural affected financially by a natural disaster<00:18:56.640><c> the</c><00:18:56.840><c> rest</c><00:18:57.000><c> of</c><00:18:57.240><c> the</c><00:18:57.559><c> Southern</c><00:18:58.280><c> States</c>

18:58

disaster the rest of the Southern States disaster the rest of the Southern States which<00:18:58.919><c> are</c><00:18:59.159><c> the</c><00:18:59.760><c> two</c><00:19:00.039><c> blocks</c><00:19:00.400><c> of</c><00:19:00.520><c> states</c><00:19:00.799><c> in</c>

19:00

which are the two blocks of states in which are the two blocks of states in the<00:19:01.039><c> two</c><00:19:01.240><c> different</c><00:19:01.520><c> shades</c><00:19:01.799><c> of</c><00:19:01.960><c> light</c><00:19:02.400><c> pink</c>

19:03

the two different shades of light pink the two different shades of light pink as<00:19:03.520><c> well</c><00:19:03.679><c> as</c><00:19:03.840><c> the</c><00:19:04.000><c> mountain</c><00:19:04.480><c> states</c><00:19:04.840><c> and</c><00:19:04.960><c> this</c> as well as the mountain states and this as well as the mountain states and this is<00:19:05.200><c> the</c><00:19:05.400><c> block</c><00:19:05.679><c> of</c><00:19:05.799><c> states</c><00:19:06.080><c> in</c><00:19:06.200><c> the</c><00:19:06.360><c> darker</c>

19:06

is the block of states in the darker is the block of states in the darker gray gray gray color<00:19:09.039><c> um</c><00:19:09.880><c> these</c><00:19:10.320><c> states</c><00:19:10.679><c> also</c><00:19:10.919><c> had</c>

19:11

color um these states also had color um these states also had relatively<00:19:11.720><c> High</c><00:19:11.919><c> shares</c><00:19:12.480><c> of</c><00:19:12.679><c> those</c><00:19:12.919><c> going</c>

19:13

relatively High shares of those going relatively High shares of those going without<00:19:13.480><c> homeowners</c><00:19:14.280><c> insurance</c><00:19:15.280><c> um</c><00:19:15.440><c> in</c>

19:15

without homeowners insurance um in without homeowners insurance um in contrast<00:19:16.080><c> New</c><00:19:16.200><c> England</c><00:19:16.559><c> had</c><00:19:16.799><c> the</c><00:19:17.159><c> the</c><00:19:17.320><c> lowest</c>

19:17

contrast New England had the the lowest contrast New England had the the lowest incidence<00:19:18.200><c> of</c>

19:25

this moving to slide this moving to slide 22<00:19:26.760><c> on</c><00:19:27.000><c> this</c><00:19:27.159><c> slide</c><00:19:27.720><c> we</c><00:19:27.960><c> focus</c><00:19:28.440><c> on</c><00:19:29.080><c> um</c>

19:29

22 on this slide we focus on um 22 on this slide we focus on um financial<00:19:29.720><c> resources</c><00:19:30.400><c> available</c><00:19:31.000><c> to</c><00:19:31.200><c> those</c>

19:31

financial resources available to those financial resources available to those without<00:19:31.760><c> homeowners</c><00:19:32.720><c> insurance</c><00:19:33.720><c> and</c><00:19:33.840><c> we</c><00:19:34.000><c> find</c>

19:34

without homeowners insurance and we find without homeowners insurance and we find that<00:19:35.360><c> um</c><00:19:35.480><c> homeowners</c><00:19:36.000><c> with</c><00:19:36.120><c> fewer</c><00:19:36.440><c> financial</c>

19:36

that um homeowners with fewer financial that um homeowners with fewer financial resources<00:19:37.760><c> are</c><00:19:37.919><c> the</c><00:19:38.039><c> ones</c><00:19:38.280><c> most</c><00:19:38.480><c> likely</c><00:19:38.799><c> not</c>

19:38

resources are the ones most likely not resources are the ones most likely not to<00:19:39.120><c> have</c><00:19:39.280><c> homeowners</c> to have homeowners to have homeowners insurance<00:19:41.799><c> the</c><00:19:41.960><c> figure</c><00:19:42.280><c> on</c><00:19:42.559><c> this</c><00:19:42.760><c> slide</c><00:19:43.120><c> shows</c>

19:43

insurance the figure on this slide shows insurance the figure on this slide shows Stark<00:19:44.039><c> differences</c><00:19:44.720><c> by</c>

19:45

Stark differences by Stark differences by income<00:19:46.720><c> among</c><00:19:47.039><c> homeowners</c><00:19:47.600><c> with</c><00:19:48.039><c> without</c><00:19:48.240><c> a</c>

19:48

income among homeowners with without a income among homeowners with without a mortgage<00:19:49.840><c> 44%</c><00:19:50.840><c> of</c><00:19:51.039><c> those</c><00:19:51.320><c> with</c><00:19:51.960><c> incomes</c><00:19:52.360><c> under</c>

19:52

mortgage 44% of those with incomes under mortgage 44% of those with incomes under $25,000<00:19:53.960><c> did</c><00:19:54.200><c> not</c><00:19:54.400><c> have</c><00:19:54.559><c> homeowners</c>

19:55

$25,000 did not have homeowners $25,000 did not have homeowners insurance<00:19:56.440><c> this</c><00:19:56.559><c> is</c><00:19:56.760><c> compared</c><00:19:57.120><c> to</c><00:19:57.320><c> just</c><00:19:57.520><c> 2%</c><00:19:58.039><c> of</c>

19:58

insurance this is compared to just 2% of insurance this is compared to just 2% of those<00:19:58.360><c> with</c><00:19:58.720><c> incomes</c><00:19:59.000><c> of</c><00:19:59.159><c> $100,000</c><00:20:00.159><c> or</c>

20:04

greater income is just one kind of greater income is just one kind of financial<00:20:05.320><c> resource</c><00:20:05.720><c> that</c><00:20:05.840><c> homeowners</c><00:20:06.320><c> may</c> financial resource that homeowners may financial resource that homeowners may have<00:20:06.760><c> available</c><00:20:07.159><c> to</c><00:20:07.840><c> them</c><00:20:08.840><c> although</c><00:20:09.159><c> not</c>

20:09

have available to them although not have available to them although not shown<00:20:09.840><c> here</c><00:20:10.200><c> we</c><00:20:10.320><c> do</c><00:20:10.520><c> have</c><00:20:10.840><c> another</c><00:20:11.280><c> question</c>

20:11

shown here we do have another question shown here we do have another question in<00:20:11.720><c> the</c><00:20:11.840><c> survey</c><00:20:12.320><c> that</c><00:20:12.480><c> asks</c><00:20:12.799><c> people</c><00:20:13.080><c> about</c> in the survey that asks people about in the survey that asks people about their<00:20:13.520><c> other</c><00:20:13.799><c> assets</c><00:20:14.480><c> such</c><00:20:14.760><c> as</c><00:20:14.919><c> savings</c>

20:15

their other assets such as savings their other assets such as savings accounts<00:20:15.840><c> retirement</c><00:20:16.360><c> accounts</c><00:20:17.120><c> or</c><00:20:17.320><c> other</c>

20:18

accounts retirement accounts or other accounts retirement accounts or other equities<00:20:19.400><c> we</c><00:20:19.520><c> find</c><00:20:19.720><c> that</c><00:20:19.880><c> homeowners</c><00:20:20.440><c> who</c>

20:20

equities we find that homeowners who equities we find that homeowners who list<00:20:20.960><c> no</c><00:20:21.240><c> other</c><00:20:21.960><c> types</c><00:20:22.200><c> of</c><00:20:22.320><c> financial</c><00:20:22.880><c> assets</c>

20:23

list no other types of financial assets list no other types of financial assets are<00:20:23.440><c> more</c><00:20:23.720><c> likely</c><00:20:24.039><c> to</c><00:20:24.200><c> go</c><00:20:24.400><c> without</c><00:20:24.640><c> homeowners</c>

20:26

are more likely to go without homeowners are more likely to go without homeowners insurance<00:20:27.280><c> so</c><00:20:27.679><c> taken</c><00:20:28.200><c> together</c><00:20:28.480><c> with</c><00:20:28.760><c> the</c>

20:28

insurance so taken together with the insurance so taken together with the results<00:20:29.120><c> on</c><00:20:29.240><c> the</c><00:20:29.360><c> previous</c><00:20:29.760><c> slide</c><00:20:30.760><c> these</c>

20:30

results on the previous slide these results on the previous slide these results<00:20:31.440><c> generally</c><00:20:32.000><c> suggest</c><00:20:32.600><c> that</c> results generally suggest that results generally suggest that homeowners<00:20:33.520><c> who</c><00:20:33.640><c> are</c><00:20:33.960><c> most</c><00:20:34.200><c> at</c><00:20:34.400><c> risk</c><00:20:34.760><c> are</c><00:20:35.039><c> also</c>

20:35

homeowners who are most at risk are also homeowners who are most at risk are also most<00:20:35.720><c> likely</c><00:20:36.120><c> to</c><00:20:36.320><c> not</c><00:20:36.640><c> have</c><00:20:36.760><c> homeowners</c>

20:43

insurance and before I hand it over to insurance and before I hand it over to my<00:20:44.159><c> colleague</c><00:20:44.799><c> Lisa</c><00:20:45.400><c> I</c><00:20:45.480><c> just</c><00:20:45.600><c> want</c><00:20:45.760><c> to</c><00:20:46.600><c> um</c><00:20:46.760><c> add</c>

20:46

my colleague Lisa I just want to um add my colleague Lisa I just want to um add one<00:20:47.080><c> more</c><00:20:47.280><c> reminder</c><00:20:47.720><c> that</c><00:20:47.840><c> if</c><00:20:47.919><c> you</c><00:20:48.080><c> have</c><00:20:48.240><c> any</c> one more reminder that if you have any one more reminder that if you have any questions<00:20:49.039><c> about</c><00:20:49.280><c> what's</c><00:20:49.480><c> been</c><00:20:49.640><c> covered</c><00:20:49.960><c> or</c>

20:50

questions about what's been covered or questions about what's been covered or anything<00:20:50.400><c> else</c><00:20:51.200><c> please</c><00:20:51.440><c> feel</c><00:20:51.720><c> free</c><00:20:52.480><c> to</c><00:20:52.960><c> add</c>

20:53

anything else please feel free to add anything else please feel free to add them<00:20:53.480><c> via</c><00:20:53.760><c> the</c><00:20:53.919><c> Q&amp;A</c><00:20:54.440><c> tab</c><00:20:54.720><c> on</c><00:20:54.840><c> the</c><00:20:55.039><c> right</c><00:20:55.600><c> and</c>

20:55

them via the Q&amp;A tab on the right and them via the Q&amp;A tab on the right and we'll<00:20:55.880><c> do</c><00:20:56.000><c> our</c><00:20:56.159><c> best</c><00:20:56.320><c> to</c><00:20:56.480><c> answer</c><00:20:56.799><c> these</c><00:20:57.120><c> after</c> we'll do our best to answer these after we'll do our best to answer these after the<00:20:57.520><c> presentation</c>

21:03

uh thank you Anna um so for the rest of uh thank you Anna um so for the rest of the<00:21:03.760><c> presentation</c><00:21:04.559><c> I'll</c><00:21:04.720><c> be</c><00:21:04.919><c> covering</c>

21:05

the presentation I'll be covering the presentation I'll be covering caregiving<00:21:06.679><c> which</c><00:21:06.799><c> was</c><00:21:06.919><c> a</c><00:21:07.120><c> new</c><00:21:07.480><c> topic</c><00:21:07.880><c> on</c><00:21:08.120><c> this</c>

21:08

caregiving which was a new topic on this caregiving which was a new topic on this year's<00:21:08.760><c> survey</c><00:21:09.760><c> uh</c><00:21:09.880><c> one</c><00:21:10.000><c> of</c><00:21:10.120><c> the</c><00:21:10.240><c> goals</c><00:21:10.520><c> we</c><00:21:10.679><c> had</c>

21:10

year's survey uh one of the goals we had year's survey uh one of the goals we had in<00:21:11.000><c> adding</c><00:21:11.440><c> the</c><00:21:11.600><c> questions</c><00:21:11.919><c> on</c><00:21:12.200><c> caregiving</c>

21:12

in adding the questions on caregiving in adding the questions on caregiving was<00:21:13.279><c> to</c><00:21:13.480><c> gain</c><00:21:13.760><c> some</c><00:21:14.159><c> insight</c><00:21:14.720><c> into</c><00:21:15.000><c> the</c><00:21:15.120><c> ways</c>

21:15

was to gain some insight into the ways was to gain some insight into the ways in<00:21:15.480><c> which</c><00:21:15.720><c> people</c><00:21:16.000><c> manage</c><00:21:16.440><c> care</c><00:21:16.679><c> for</c><00:21:16.880><c> their</c> in which people manage care for their in which people manage care for their loved<00:21:17.360><c> ones</c><00:21:18.360><c> um</c><00:21:18.480><c> and</c><00:21:18.640><c> how</c><00:21:18.880><c> these</c><00:21:19.120><c> decisions</c>

21:19

loved ones um and how these decisions loved ones um and how these decisions also<00:21:20.080><c> relate</c><00:21:20.360><c> to</c><00:21:20.559><c> their</c><00:21:20.840><c> employment</c> also relate to their employment also relate to their employment decisions<00:21:22.720><c> uh</c><00:21:22.880><c> so</c><00:21:23.039><c> turning</c><00:21:23.360><c> to</c><00:21:23.559><c> slide</c>

21:24

decisions uh so turning to slide decisions uh so turning to slide 24<00:21:25.679><c> um</c><00:21:25.880><c> so</c><00:21:26.039><c> we're</c><00:21:26.240><c> first</c><00:21:26.480><c> going</c><00:21:26.600><c> to</c><00:21:26.799><c> consider</c>

21:27

24 um so we're first going to consider 24 um so we're first going to consider child<00:21:27.880><c> care</c><00:21:28.640><c> and</c><00:21:28.799><c> here</c><00:21:28.960><c> we</c><00:21:29.120><c> limit</c><00:21:29.400><c> our</c>

21:29

child care and here we limit our child care and here we limit our analysis<00:21:30.360><c> to</c><00:21:30.600><c> parents</c><00:21:30.919><c> of</c><00:21:31.159><c> children</c><00:21:31.559><c> under</c>

21:32

analysis to parents of children under analysis to parents of children under age<00:21:32.760><c> 13</c><00:21:33.760><c> um</c><00:21:33.880><c> as</c><00:21:34.080><c> younger</c><00:21:34.440><c> children</c><00:21:34.960><c> are</c><00:21:35.640><c> the</c>

21:35

age 13 um as younger children are the age 13 um as younger children are the most<00:21:36.039><c> likely</c><00:21:36.320><c> to</c><00:21:36.559><c> need</c><00:21:36.840><c> child</c><00:21:37.279><c> care</c><00:21:38.120><c> um</c><00:21:38.200><c> so</c><00:21:38.360><c> to</c>

21:38

most likely to need child care um so to most likely to need child care um so to level<00:21:39.000><c> set</c><00:21:39.640><c> the</c><00:21:39.760><c> figure</c><00:21:40.039><c> on</c><00:21:40.320><c> this</c><00:21:40.559><c> slide</c><00:21:41.039><c> shows</c>

21:41

level set the figure on this slide shows level set the figure on this slide shows what<00:21:41.600><c> share</c><00:21:41.799><c> of</c><00:21:41.960><c> the</c><00:21:42.159><c> population</c><00:21:42.960><c> is</c><00:21:43.080><c> living</c>

21:43

what share of the population is living what share of the population is living with<00:21:43.600><c> their</c><00:21:43.760><c> own</c><00:21:44.039><c> children</c><00:21:44.559><c> under</c><00:21:44.799><c> age</c><00:21:45.360><c> 13</c><00:21:46.360><c> um</c>

21:46

with their own children under age 13 um with their own children under age 13 um and<00:21:46.640><c> then</c><00:21:46.760><c> we</c><00:21:46.880><c> show</c><00:21:47.159><c> how</c><00:21:47.320><c> this</c><00:21:47.480><c> breaks</c><00:21:47.760><c> out</c><00:21:48.039><c> by</c> and then we show how this breaks out by and then we show how this breaks out by single<00:21:48.799><c> versus</c><00:21:49.240><c> dual</c><00:21:49.640><c> parent</c><00:21:50.039><c> households</c><00:21:50.760><c> and</c>

21:51

single versus dual parent households and single versus dual parent households and employment<00:21:52.360><c> um</c><00:21:52.640><c> overall</c><00:21:53.279><c> 19%</c><00:21:54.279><c> of</c><00:21:54.520><c> all</c><00:21:54.799><c> adults</c>

21:55

employment um overall 19% of all adults employment um overall 19% of all adults live<00:21:56.000><c> with</c><00:21:56.159><c> their</c><00:21:56.320><c> own</c><00:21:56.559><c> children</c><00:21:57.000><c> under</c><00:21:57.320><c> age</c> live with their own children under age live with their own children under age 13<00:21:58.799><c> um</c><00:21:58.919><c> so</c><00:21:59.120><c> that's</c><00:21:59.320><c> represented</c><00:21:59.880><c> by</c><00:22:00.039><c> the</c>

22:00

13 um so that's represented by the 13 um so that's represented by the pieces<00:22:00.559><c> of</c><00:22:00.720><c> the</c><00:22:00.960><c> pie</c><00:22:01.640><c> uh</c><00:22:01.760><c> on</c><00:22:01.880><c> the</c><00:22:02.000><c> chart</c><00:22:02.279><c> here</c>

22:02

pieces of the pie uh on the chart here pieces of the pie uh on the chart here that<00:22:02.559><c> are</c><00:22:02.679><c> broken</c><00:22:03.039><c> out</c><00:22:03.960><c> and</c><00:22:04.080><c> then</c><00:22:04.240><c> the</c><00:22:04.400><c> various</c>

22:04

that are broken out and then the various that are broken out and then the various slices<00:22:05.360><c> starting</c><00:22:05.640><c> in</c><00:22:05.840><c> yellow</c><00:22:06.200><c> and</c><00:22:06.320><c> then</c> slices starting in yellow and then slices starting in yellow and then different<00:22:06.799><c> shades</c><00:22:07.120><c> of</c><00:22:07.360><c> blue</c><00:22:08.080><c> break</c><00:22:08.400><c> out</c><00:22:08.640><c> this</c>

22:09

different shades of blue break out this different shades of blue break out this 19%<00:22:10.440><c> by</c><00:22:10.720><c> the</c><00:22:10.880><c> number</c><00:22:11.120><c> of</c><00:22:11.400><c> parents</c><00:22:11.760><c> in</c><00:22:11.919><c> the</c>

22:12

19% by the number of parents in the 19% by the number of parents in the household<00:22:12.880><c> uh</c><00:22:13.000><c> so</c><00:22:13.200><c> dual</c><00:22:13.559><c> parent</c><00:22:13.880><c> versus</c>

22:14

household uh so dual parent versus household uh so dual parent versus single<00:22:14.640><c> parent</c><00:22:15.360><c> and</c><00:22:15.520><c> their</c><00:22:15.720><c> employment</c>

22:16

single parent and their employment single parent and their employment status<00:22:17.840><c> um</c><00:22:18.039><c> so</c><00:22:18.360><c> on</c><00:22:18.480><c> the</c><00:22:18.679><c> next</c><00:22:18.919><c> slide</c><00:22:19.159><c> we're</c>

22:19

status um so on the next slide we're status um so on the next slide we're going<00:22:19.440><c> to</c><00:22:19.600><c> look</c><00:22:19.760><c> at</c><00:22:19.960><c> the</c><00:22:20.159><c> rates</c><00:22:20.720><c> at</c><00:22:20.880><c> which</c> going to look at the rates at which going to look at the rates at which families<00:22:21.640><c> that</c><00:22:21.840><c> had</c><00:22:22.000><c> at</c><00:22:22.120><c> least</c><00:22:22.400><c> one</c><00:22:22.720><c> working</c>

22:23

families that had at least one working families that had at least one working parent<00:22:23.720><c> used</c><00:22:24.200><c> paid</c><00:22:24.480><c> child</c><00:22:25.000><c> care</c><00:22:26.000><c> uh</c><00:22:26.120><c> so</c>

22:26

parent used paid child care uh so parent used paid child care uh so turning<00:22:26.559><c> now</c><00:22:26.679><c> to</c><00:22:26.880><c> slide</c><00:22:27.159><c> 25</c>

22:29

turning now to slide 25 turning now to slide 25 um<00:22:30.279><c> families</c><00:22:30.760><c> that</c><00:22:31.000><c> had</c><00:22:31.240><c> no</c><00:22:31.600><c> stay-at-home</c>

22:32

um families that had no stay-at-home um families that had no stay-at-home parent<00:22:33.440><c> uh</c><00:22:33.559><c> were</c><00:22:33.760><c> the</c><00:22:33.919><c> most</c><00:22:34.159><c> likely</c><00:22:34.440><c> to</c><00:22:34.600><c> use</c>

22:34

parent uh were the most likely to use parent uh were the most likely to use paid<00:22:35.200><c> child</c><00:22:35.640><c> care</c><00:22:36.480><c> um</c><00:22:36.640><c> so</c><00:22:36.760><c> if</c><00:22:36.840><c> we</c><00:22:36.960><c> focus</c><00:22:37.279><c> on</c><00:22:37.440><c> the</c>

22:37

paid child care um so if we focus on the paid child care um so if we focus on the top<00:22:37.880><c> two</c><00:22:38.120><c> bars</c><00:22:38.520><c> in</c><00:22:38.679><c> the</c><00:22:38.840><c> figure</c><00:22:39.760><c> uh</c><00:22:39.840><c> we</c><00:22:39.960><c> see</c>

22:40

top two bars in the figure uh we see top two bars in the figure uh we see that<00:22:40.320><c> about</c><00:22:40.559><c> 40%</c><00:22:41.440><c> of</c><00:22:41.679><c> single</c><00:22:42.120><c> working</c><00:22:42.640><c> parents</c>

22:43

that about 40% of single working parents that about 40% of single working parents as<00:22:43.840><c> well</c><00:22:44.080><c> as</c><00:22:44.840><c> uh</c><00:22:45.080><c> those</c><00:22:45.480><c> families</c><00:22:45.919><c> with</c><00:22:46.159><c> two</c>

22:46

as well as uh those families with two as well as uh those families with two working<00:22:46.960><c> parents</c><00:22:47.440><c> use</c><00:22:47.799><c> paid</c><00:22:48.080><c> child</c><00:22:48.640><c> care</c><00:22:49.640><c> um</c>

22:49

working parents use paid child care um working parents use paid child care um this<00:22:50.039><c> Compares</c><00:22:50.440><c> with</c><00:22:50.640><c> only</c> this Compares with only this Compares with only 15%<00:22:52.559><c> for</c><00:22:52.799><c> those</c><00:22:53.039><c> who</c><00:22:53.200><c> used</c><00:22:53.520><c> paid</c><00:22:53.799><c> child</c><00:22:54.120><c> care</c>

22:54

15% for those who used paid child care 15% for those who used paid child care among<00:22:54.799><c> parents</c><00:22:55.400><c> where</c><00:22:55.760><c> one</c><00:22:56.039><c> member</c><00:22:56.360><c> of</c><00:22:56.520><c> the</c>

22:56

among parents where one member of the among parents where one member of the couple<00:22:57.080><c> did</c><00:22:57.279><c> not</c><00:22:57.520><c> work</c><00:22:58.320><c> um</c><00:22:58.640><c> so</c><00:22:58.799><c> that's</c><00:22:58.960><c> the</c><00:22:59.360><c> 15%</c>

23:00

couple did not work um so that's the 15% couple did not work um so that's the 15% with<00:23:00.559><c> two</c><00:23:00.840><c> parents</c><00:23:01.240><c> only</c><00:23:01.480><c> one</c> with two parents only one with two parents only one working<00:23:03.320><c> um</c><00:23:03.760><c> on</c><00:23:03.960><c> the</c><00:23:04.240><c> bottom</c><00:23:04.760><c> half</c><00:23:04.919><c> of</c><00:23:05.039><c> the</c>

23:05

working um on the bottom half of the working um on the bottom half of the figure<00:23:05.720><c> we</c><00:23:05.840><c> show</c><00:23:06.679><c> the</c><00:23:07.039><c> the</c><00:23:07.159><c> share</c><00:23:07.600><c> who</c><00:23:07.799><c> used</c>

23:08

figure we show the the share who used figure we show the the share who used paid<00:23:08.880><c> child</c><00:23:09.279><c> care</c><00:23:09.480><c> by</c><00:23:09.679><c> family</c><00:23:10.279><c> income</c><00:23:11.279><c> and</c><00:23:11.440><c> we</c>

23:11

paid child care by family income and we paid child care by family income and we see<00:23:12.279><c> that</c><00:23:12.600><c> higher</c><00:23:12.960><c> income</c><00:23:13.480><c> families</c><00:23:13.960><c> are</c><00:23:14.200><c> more</c>

23:14

see that higher income families are more see that higher income families are more likely<00:23:14.919><c> to</c><00:23:15.120><c> use</c><00:23:15.679><c> paid</c><00:23:16.039><c> child</c><00:23:16.480><c> care</c><00:23:17.159><c> and</c><00:23:17.400><c> also</c>

23:17

likely to use paid child care and also likely to use paid child care and also they're<00:23:17.880><c> more</c><00:23:18.120><c> likely</c><00:23:18.400><c> to</c><00:23:18.559><c> use</c><00:23:18.760><c> it</c><00:23:18.960><c> more</c> they're more likely to use it more they're more likely to use it more intensively<00:23:20.000><c> so</c><00:23:20.200><c> they</c><00:23:20.320><c> use</c><00:23:20.679><c> more</c><00:23:21.000><c> hours</c><00:23:21.559><c> per</c>

23:22

intensively so they use more hours per intensively so they use more hours per week<00:23:23.039><c> um</c><00:23:23.200><c> so</c><00:23:23.480><c> one</c><00:23:23.760><c> reason</c><00:23:24.080><c> we</c><00:23:24.240><c> think</c><00:23:24.400><c> we</c><00:23:24.559><c> might</c>

23:24

week um so one reason we think we might week um so one reason we think we might be<00:23:24.880><c> seeing</c><00:23:25.240><c> these</c><00:23:25.480><c> results</c><00:23:25.919><c> by</c><00:23:26.320><c> income</c><00:23:27.320><c> uh</c>

23:27

be seeing these results by income uh be seeing these results by income uh relate<00:23:27.840><c> to</c><00:23:28.039><c> the</c><00:23:28.559><c> cost</c><00:23:28.880><c> of</c><00:23:29.120><c> child</c><00:23:29.600><c> care</c><00:23:30.360><c> uh</c>

23:30

relate to the cost of child care uh relate to the cost of child care uh which<00:23:30.640><c> we're</c><00:23:30.760><c> going</c><00:23:30.880><c> to</c><00:23:31.039><c> look</c><00:23:31.200><c> at</c><00:23:31.400><c> on</c><00:23:31.559><c> the</c><00:23:31.760><c> next</c> which we're going to look at on the next which we're going to look at on the next slide<00:23:32.880><c> um</c><00:23:33.039><c> so</c><00:23:33.240><c> we</c><00:23:33.360><c> could</c><00:23:33.559><c> turn</c><00:23:33.799><c> to</c><00:23:34.000><c> slide</c>

23:35

slide um so we could turn to slide slide um so we could turn to slide 26<00:23:36.679><c> uh</c><00:23:36.840><c> so</c><00:23:36.960><c> for</c><00:23:37.200><c> those</c><00:23:37.440><c> using</c><00:23:38.240><c> uh</c><00:23:38.400><c> paid</c><00:23:38.760><c> child</c>

23:39

26 uh so for those using uh paid child 26 uh so for those using uh paid child care<00:23:39.880><c> these</c><00:23:40.200><c> costs</c><00:23:40.559><c> can</c><00:23:40.720><c> make</c><00:23:40.880><c> up</c><00:23:41.039><c> a</c>

23:41

care these costs can make up a care these costs can make up a substantial<00:23:41.799><c> share</c><00:23:42.159><c> of</c><00:23:42.320><c> the</c><00:23:42.559><c> family</c><00:23:43.080><c> budget</c>

23:44

substantial share of the family budget substantial share of the family budget um<00:23:44.159><c> so</c><00:23:44.400><c> before</c><00:23:44.640><c> turning</c><00:23:44.919><c> to</c><00:23:45.080><c> the</c><00:23:45.240><c> figure</c><00:23:45.520><c> on</c> um so before turning to the figure on um so before turning to the figure on the<00:23:45.799><c> slide</c><00:23:46.120><c> here</c><00:23:46.440><c> i'</c><00:23:46.600><c> just</c><00:23:46.720><c> like</c><00:23:46.919><c> to</c><00:23:47.080><c> note</c><00:23:47.480><c> that</c>

23:48

the slide here i' just like to note that the slide here i' just like to note that um<00:23:48.480><c> overall</c><00:23:48.919><c> the</c><00:23:49.039><c> median</c><00:23:49.640><c> monthly</c><00:23:50.120><c> amount</c>

23:50

um overall the median monthly amount um overall the median monthly amount that<00:23:50.799><c> parents</c><00:23:51.159><c> paid</c><00:23:51.440><c> for</c><00:23:51.640><c> child</c><00:23:52.039><c> care</c><00:23:52.240><c> was</c>

23:53

that parents paid for child care was that parents paid for child care was $800<00:23:54.039><c> a</c><00:23:54.200><c> month</c><00:23:54.679><c> and</c><00:23:54.799><c> for</c><00:23:55.039><c> those</c><00:23:55.240><c> who</c><00:23:55.480><c> paid</c><00:23:55.760><c> for</c>

23:55

$800 a month and for those who paid for $800 a month and for those who paid for 20<00:23:56.279><c> or</c><00:23:56.440><c> more</c><00:23:56.760><c> hours</c><00:23:57.120><c> of</c><00:23:57.279><c> child</c><00:23:57.679><c> care</c><00:23:57.919><c> each</c><00:23:58.159><c> week</c>

23:59

20 or more hours of child care each week 20 or more hours of child care each week um<00:23:59.200><c> it</c><00:23:59.360><c> was</c><00:23:59.640><c> $1,100</c><00:24:00.640><c> a</c><00:24:00.799><c> month</c><00:24:01.760><c> um</c><00:24:02.000><c> so</c><00:24:02.159><c> we</c><00:24:02.240><c> wanted</c>

24:02

um it was $1,100 a month um so we wanted um it was $1,100 a month um so we wanted to<00:24:02.600><c> get</c><00:24:02.720><c> a</c><00:24:02.880><c> sense</c><00:24:03.120><c> of</c><00:24:03.279><c> the</c><00:24:03.480><c> magnitude</c><00:24:04.240><c> of</c><00:24:04.480><c> how</c>

24:04

to get a sense of the magnitude of how to get a sense of the magnitude of how much<00:24:05.360><c> uh</c><00:24:05.520><c> these</c><00:24:05.960><c> parents</c><00:24:06.320><c> were</c><00:24:06.520><c> paying</c><00:24:06.760><c> for</c>

24:07

much uh these parents were paying for much uh these parents were paying for child<00:24:07.480><c> care</c><00:24:08.200><c> so</c><00:24:08.440><c> we</c><00:24:08.679><c> compared</c><00:24:09.360><c> the</c><00:24:09.760><c> monthly</c>

24:10

child care so we compared the monthly child care so we compared the monthly the<00:24:10.600><c> median</c><00:24:11.080><c> monthly</c><00:24:11.720><c> amount</c><00:24:12.039><c> they</c><00:24:12.200><c> paid</c> the median monthly amount they paid the median monthly amount they paid toward<00:24:12.840><c> child</c><00:24:13.240><c> care</c><00:24:13.799><c> to</c><00:24:14.000><c> their</c><00:24:14.120><c> median</c>

24:14

toward child care to their median toward child care to their median monthly<00:24:15.039><c> housing</c><00:24:15.480><c> payment</c><00:24:16.360><c> uh</c><00:24:16.440><c> so</c><00:24:16.600><c> on</c><00:24:16.720><c> this</c>

24:16

monthly housing payment uh so on this monthly housing payment uh so on this figure<00:24:17.279><c> here</c><00:24:17.880><c> we</c><00:24:18.000><c> see</c><00:24:18.559><c> we</c><00:24:18.720><c> divided</c><00:24:19.080><c> it</c>

24:19

figure here we see we divided it figure here we see we divided it separate<00:24:19.600><c> for</c><00:24:19.760><c> homeowners</c><00:24:20.320><c> versus</c><00:24:21.000><c> renters</c>

24:21

separate for homeowners versus renters separate for homeowners versus renters um<00:24:22.159><c> but</c><00:24:22.520><c> either</c><00:24:23.080><c> way</c><00:24:24.240><c> um</c><00:24:25.240><c> about</c><00:24:25.640><c> 50</c><00:24:26.039><c> to</c><00:24:26.240><c> 70</c>

24:26

um but either way um about 50 to 70 um but either way um about 50 to 70 people<00:24:27.159><c> who</c><00:24:27.279><c> use</c><00:24:27.559><c> paid</c><00:24:27.799><c> child</c><00:24:28.120><c> care</c><00:24:28.399><c> spend</c> people who use paid child care spend people who use paid child care spend about<00:24:28.799><c> 50</c><00:24:29.120><c> to</c><00:24:29.360><c> 70%</c><00:24:30.360><c> as</c><00:24:30.559><c> much</c><00:24:30.919><c> per</c><00:24:31.080><c> month</c><00:24:31.360><c> on</c>

24:31

about 50 to 70% as much per month on about 50 to 70% as much per month on child<00:24:32.000><c> care</c><00:24:32.279><c> costs</c><00:24:33.159><c> as</c><00:24:33.320><c> they</c><00:24:33.440><c> did</c><00:24:33.600><c> on</c><00:24:33.720><c> their</c>

24:33

child care costs as they did on their child care costs as they did on their housing<00:24:34.320><c> payment</c><00:24:35.320><c> um</c><00:24:35.480><c> and</c><00:24:35.600><c> one</c><00:24:35.760><c> reason</c><00:24:36.000><c> we</c>

24:36

housing payment um and one reason we housing payment um and one reason we chose<00:24:36.480><c> housing</c><00:24:36.880><c> payment</c><00:24:37.559><c> um</c><00:24:37.760><c> other</c><00:24:38.000><c> than</c><00:24:38.200><c> data</c>

24:38

chose housing payment um other than data chose housing payment um other than data availability<00:24:39.279><c> is</c><00:24:39.520><c> that's</c><00:24:39.960><c> typically</c> availability is that's typically availability is that's typically people's<00:24:40.880><c> single</c><00:24:41.440><c> largest</c><00:24:42.080><c> monthly</c>

24:43

people's single largest monthly people's single largest monthly expense<00:24:44.840><c> um</c><00:24:44.960><c> so</c><00:24:45.120><c> turning</c><00:24:45.399><c> now</c><00:24:45.600><c> to</c><00:24:45.799><c> slide</c><00:24:46.480><c> seven</c>

24:47

expense um so turning now to slide seven expense um so turning now to slide seven TW<00:24:47.399><c> H</c><00:24:47.559><c> sorry</c> TW H sorry TW H sorry 27<00:24:49.559><c> uh</c><00:24:49.679><c> we're</c><00:24:49.799><c> going</c><00:24:49.919><c> to</c><00:24:50.080><c> look</c><00:24:50.240><c> at</c><00:24:50.600><c> unpaid</c><00:24:51.360><c> care</c>

24:52

27 uh we're going to look at unpaid care 27 uh we're going to look at unpaid care for<00:24:52.360><c> an</c><00:24:52.480><c> adult</c><00:24:52.880><c> relative</c><00:24:53.279><c> or</c><00:24:53.559><c> friend</c><00:24:54.279><c> who</c><00:24:54.440><c> may</c>

24:54

for an adult relative or friend who may for an adult relative or friend who may need<00:24:54.960><c> assistance</c><00:24:55.480><c> due</c><00:24:55.679><c> to</c><00:24:55.840><c> aging</c><00:24:56.399><c> disability</c>

24:56

need assistance due to aging disability need assistance due to aging disability or<00:24:57.240><c> illness</c><00:24:58.640><c> um</c><00:24:58.760><c> so</c><00:24:58.960><c> all</c><00:24:59.159><c> the</c><00:24:59.240><c> way</c><00:24:59.399><c> on</c><00:24:59.520><c> the</c>

24:59

or illness um so all the way on the or illness um so all the way on the right<00:25:00.159><c> we</c><00:25:00.320><c> see</c><00:25:00.559><c> that</c><00:25:00.760><c> overall</c><00:25:01.480><c> 16%</c><00:25:02.480><c> of</c><00:25:02.679><c> adults</c>

25:03

right we see that overall 16% of adults right we see that overall 16% of adults provided<00:25:03.760><c> this</c><00:25:03.960><c> type</c><00:25:04.159><c> of</c><00:25:04.720><c> care</c><00:25:05.720><c> and</c><00:25:05.960><c> these</c>

25:06

provided this type of care and these provided this type of care and these shares<00:25:06.600><c> were</c><00:25:06.880><c> similar</c><00:25:07.480><c> among</c><00:25:07.840><c> both</c><00:25:08.120><c> men</c><00:25:08.440><c> and</c>

25:08

shares were similar among both men and shares were similar among both men and women<00:25:09.679><c> um</c><00:25:09.840><c> this</c><00:25:10.000><c> was</c><00:25:10.240><c> also</c><00:25:10.480><c> true</c><00:25:10.840><c> regardless</c>

25:11

women um this was also true regardless women um this was also true regardless of<00:25:11.559><c> age</c><00:25:12.080><c> if</c><00:25:12.200><c> we're</c><00:25:12.360><c> looking</c><00:25:12.600><c> at</c><00:25:12.840><c> patterns</c>

25:13

of age if we're looking at patterns of age if we're looking at patterns across<00:25:14.279><c> uh</c><00:25:14.520><c> gender</c><00:25:14.880><c> for</c><00:25:15.120><c> different</c><00:25:15.399><c> ages</c><00:25:15.760><c> on</c>

25:15

across uh gender for different ages on across uh gender for different ages on the<00:25:16.080><c> left</c><00:25:16.279><c> of</c><00:25:16.399><c> the</c><00:25:16.559><c> figure</c><00:25:17.559><c> um</c><00:25:17.760><c> so</c><00:25:17.960><c> initially</c>

25:18

the left of the figure um so initially the left of the figure um so initially this<00:25:18.640><c> result</c><00:25:19.000><c> was</c><00:25:19.640><c> surprising</c><00:25:20.640><c> um</c><00:25:20.919><c> it</c>

25:21

this result was surprising um it this result was surprising um it certainly<00:25:21.440><c> wasn't</c><00:25:21.840><c> what</c><00:25:21.960><c> I</c><00:25:22.159><c> expected</c><00:25:22.600><c> to</c><00:25:22.760><c> see</c>

25:23

certainly wasn't what I expected to see certainly wasn't what I expected to see um<00:25:23.840><c> and</c><00:25:23.960><c> it's</c><00:25:24.200><c> also</c><00:25:24.559><c> different</c><00:25:24.960><c> from</c><00:25:25.200><c> what</c><00:25:25.360><c> we</c>

25:25

um and it's also different from what we um and it's also different from what we see<00:25:25.960><c> about</c><00:25:26.320><c> unpaid</c><00:25:26.880><c> care</c><00:25:27.120><c> for</c><00:25:27.399><c> children</c><00:25:28.640><c> um</c>

25:29

see about unpaid care for children um see about unpaid care for children um where<00:25:29.919><c> it</c><00:25:30.080><c> we</c><00:25:30.159><c> don't</c><00:25:30.399><c> present</c><00:25:30.720><c> that</c><00:25:30.880><c> here</c><00:25:31.039><c> but</c>

25:31

where it we don't present that here but where it we don't present that here but we<00:25:31.279><c> have</c><00:25:31.399><c> another</c><00:25:31.720><c> question</c><00:25:32.000><c> on</c><00:25:32.159><c> the</c><00:25:32.520><c> survey</c>

25:33

we have another question on the survey we have another question on the survey um<00:25:33.880><c> that</c><00:25:34.120><c> asks</c><00:25:34.799><c> uh</c><00:25:34.960><c> those</c><00:25:35.200><c> living</c><00:25:35.640><c> with</c><00:25:35.840><c> a</c><00:25:36.360><c> a</c>

25:36

um that asks uh those living with a a um that asks uh those living with a a spouse<00:25:36.799><c> or</c><00:25:37.000><c> partner</c><00:25:38.000><c> uh</c><00:25:38.120><c> who</c><00:25:38.399><c> typically</c>

25:39

spouse or partner uh who typically spouse or partner uh who typically provides<00:25:39.440><c> the</c><00:25:39.600><c> care</c><00:25:39.760><c> for</c><00:25:39.919><c> the</c><00:25:40.039><c> children</c><00:25:40.320><c> when</c> provides the care for the children when provides the care for the children when they're<00:25:40.600><c> at</c><00:25:40.840><c> home</c><00:25:41.840><c> and</c><00:25:42.520><c> um</c><00:25:42.799><c> for</c><00:25:43.080><c> both</c><00:25:43.279><c> men</c><00:25:43.520><c> and</c>

25:43

they're at home and um for both men and they're at home and um for both men and women<00:25:44.279><c> the</c><00:25:44.559><c> mothers</c><00:25:44.880><c> and</c><00:25:45.120><c> fathers</c><00:25:45.600><c> say</c><00:25:46.039><c> that</c>

25:46

women the mothers and fathers say that women the mothers and fathers say that the<00:25:46.360><c> mothers</c><00:25:46.880><c> are</c><00:25:47.640><c> uh</c><00:25:47.760><c> more</c><00:25:47.960><c> likely</c><00:25:48.240><c> to</c><00:25:48.360><c> be</c>

25:48

the mothers are uh more likely to be the mothers are uh more likely to be providing<00:25:48.919><c> the</c><00:25:49.080><c> care</c><00:25:49.880><c> um</c><00:25:50.039><c> but</c><00:25:50.159><c> nonetheless</c>

25:50

providing the care um but nonetheless providing the care um but nonetheless for<00:25:50.840><c> this</c><00:25:51.039><c> question</c><00:25:51.360><c> the</c><00:25:51.480><c> split</c><00:25:51.760><c> was</c><00:25:51.880><c> pretty</c> for this question the split was pretty for this question the split was pretty even<00:25:52.520><c> between</c><00:25:53.240><c> uh</c><00:25:53.360><c> men</c><00:25:53.559><c> and</c><00:25:53.919><c> women</c><00:25:54.919><c> um</c><00:25:55.320><c> and</c><00:25:55.520><c> we</c>

25:55

even between uh men and women um and we even between uh men and women um and we also<00:25:56.039><c> verified</c><00:25:56.640><c> there's</c><00:25:56.960><c> a</c><00:25:57.080><c> different</c><00:25:57.320><c> survey</c> also verified there's a different survey also verified there's a different survey of<00:25:57.720><c> the</c><00:25:57.799><c> American</c><00:25:58.320><c> time</c><00:25:58.520><c> use</c><00:25:58.799><c> survey</c><00:25:59.799><c> um</c><00:26:00.080><c> just</c>

26:00

of the American time use survey um just of the American time use survey um just to<00:26:00.520><c> to</c><00:26:00.679><c> make</c><00:26:00.799><c> sure</c><00:26:01.000><c> other</c><00:26:01.159><c> surveys</c><00:26:01.559><c> were</c> to to make sure other surveys were to to make sure other surveys were finding<00:26:02.000><c> this</c><00:26:02.240><c> result</c><00:26:02.559><c> and</c><00:26:02.720><c> they</c><00:26:02.840><c> also</c><00:26:03.039><c> found</c>

26:03

finding this result and they also found finding this result and they also found something<00:26:03.679><c> similar</c><00:26:04.000><c> on</c><00:26:04.200><c> that</c><00:26:04.360><c> survey</c><00:26:05.159><c> um</c><00:26:05.279><c> so</c>

26:05

something similar on that survey um so something similar on that survey um so interesting<00:26:06.200><c> uh</c><00:26:06.399><c> and</c><00:26:06.600><c> different</c><00:26:06.919><c> from</c><00:26:07.080><c> what</c> interesting uh and different from what interesting uh and different from what my<00:26:07.360><c> prior</c><00:26:07.799><c> was</c><00:26:08.799><c> um</c><00:26:09.240><c> so</c><00:26:09.399><c> on</c><00:26:09.520><c> the</c><00:26:09.640><c> next</c><00:26:09.880><c> slide</c>

26:10

my prior was um so on the next slide my prior was um so on the next slide we're<00:26:10.279><c> going</c><00:26:10.399><c> to</c><00:26:10.640><c> zoom</c><00:26:11.000><c> in</c><00:26:11.279><c> on</c><00:26:11.600><c> the</c><00:26:12.000><c> the</c><00:26:12.080><c> middle</c>

26:12

we're going to zoom in on the the middle we're going to zoom in on the the middle age<00:26:12.720><c> of</c><00:26:13.039><c> of</c><00:26:13.240><c> groups</c><00:26:13.960><c> prime</c><00:26:14.279><c> age</c><00:26:14.559><c> adults</c><00:26:15.279><c> those</c>

26:15

age of of groups prime age adults those age of of groups prime age adults those ages<00:26:15.960><c> 25</c><00:26:16.520><c> to</c><00:26:16.679><c> 54</c><00:26:17.240><c> to</c><00:26:17.399><c> look</c><00:26:17.520><c> at</c><00:26:17.679><c> some</c><00:26:17.799><c> of</c><00:26:18.000><c> their</c>

26:18

ages 25 to 54 to look at some of their ages 25 to 54 to look at some of their employment<00:26:19.240><c> outcomes</c><00:26:20.240><c> um</c><00:26:20.360><c> so</c><00:26:20.559><c> like</c><00:26:20.799><c> Child</c>

26:21

employment outcomes um so like Child employment outcomes um so like Child Care<00:26:21.760><c> providing</c><00:26:22.440><c> regular</c><00:26:22.919><c> care</c><00:26:23.159><c> for</c><00:26:23.440><c> other</c>

26:23

Care providing regular care for other Care providing regular care for other adults<00:26:24.679><c> can</c><00:26:24.919><c> affect</c><00:26:25.200><c> one's</c><00:26:25.559><c> ability</c><00:26:26.039><c> to</c><00:26:26.200><c> do</c>

26:26

adults can affect one's ability to do adults can affect one's ability to do other<00:26:26.679><c> work</c><00:26:26.919><c> for</c><00:26:27.200><c> pay</c><00:26:28.399><c> unpaid</c><00:26:28.840><c> caregivers</c>

26:29

other work for pay unpaid caregivers other work for pay unpaid caregivers particularly<00:26:30.200><c> those</c><00:26:30.399><c> who</c><00:26:30.520><c> are</c><00:26:30.640><c> providing</c> particularly those who are providing particularly those who are providing daily<00:26:31.440><c> care</c><00:26:32.000><c> were</c><00:26:32.320><c> less</c><00:26:32.640><c> likely</c><00:26:33.039><c> to</c><00:26:33.159><c> be</c><00:26:33.320><c> doing</c>

26:33

daily care were less likely to be doing daily care were less likely to be doing work<00:26:33.799><c> for</c><00:26:34.039><c> pay</c><00:26:35.039><c> so</c><00:26:35.240><c> as</c><00:26:35.360><c> we</c><00:26:35.480><c> note</c><00:26:35.799><c> here</c><00:26:35.960><c> in</c><00:26:36.120><c> the</c>

26:36

work for pay so as we note here in the work for pay so as we note here in the first<00:26:36.720><c> bullet</c><00:26:37.360><c> among</c><00:26:37.679><c> Prime</c><00:26:37.960><c> AG</c><00:26:38.200><c> adults</c><00:26:39.159><c> 32%</c>

26:40

first bullet among Prime AG adults 32% first bullet among Prime AG adults 32% who<00:26:40.279><c> were</c><00:26:40.440><c> caring</c><00:26:40.720><c> for</c><00:26:41.000><c> another</c><00:26:41.399><c> adult</c><00:26:41.840><c> did</c> who were caring for another adult did who were caring for another adult did not<00:26:42.279><c> have</c><00:26:42.399><c> a</c><00:26:42.600><c> paid</c><00:26:42.960><c> job</c><00:26:43.720><c> this</c><00:26:43.880><c> Compares</c><00:26:44.360><c> with</c>

26:44

not have a paid job this Compares with not have a paid job this Compares with 24%<00:26:45.720><c> of</c><00:26:45.919><c> those</c><00:26:46.240><c> without</c><00:26:46.559><c> these</c><00:26:46.799><c> caretaking</c>

26:48

24% of those without these caretaking 24% of those without these caretaking responsibilities<00:26:49.279><c> um</c><00:26:49.840><c> and</c><00:26:49.960><c> then</c><00:26:50.120><c> we</c><00:26:50.320><c> note</c><00:26:50.559><c> in</c>

26:50

responsibilities um and then we note in responsibilities um and then we note in the<00:26:50.919><c> second</c><00:26:51.279><c> bullet</c><00:26:51.799><c> that</c><00:26:51.960><c> this</c><00:26:52.120><c> difference</c> the second bullet that this difference the second bullet that this difference was<00:26:52.760><c> even</c><00:26:53.039><c> larger</c><00:26:53.640><c> among</c><00:26:53.960><c> those</c><00:26:54.159><c> with</c><00:26:54.440><c> daily</c>

26:54

was even larger among those with daily was even larger among those with daily caretaking<00:26:55.919><c> responsibilities</c><00:26:56.919><c> where</c><00:26:57.159><c> about</c>

26:57

caretaking responsibilities where about caretaking responsibilities where about half<00:26:57.880><c> of</c><00:26:58.039><c> those</c><00:26:58.320><c> those</c><00:26:58.559><c> did</c><00:26:58.760><c> no</c><00:26:59.200><c> work</c><00:26:59.480><c> for</c>

27:00

half of those those did no work for half of those those did no work for pay<00:27:01.360><c> um</c><00:27:01.600><c> so</c><00:27:01.799><c> turning</c><00:27:02.159><c> now</c><00:27:02.360><c> to</c><00:27:02.600><c> slide</c>

27:04

pay um so turning now to slide pay um so turning now to slide 29<00:27:05.399><c> um</c><00:27:05.520><c> so</c><00:27:05.720><c> that</c><00:27:05.840><c> wraps</c><00:27:06.240><c> up</c><00:27:06.520><c> all</c><00:27:06.640><c> of</c><00:27:06.840><c> the</c>

27:07

29 um so that wraps up all of the 29 um so that wraps up all of the prepared<00:27:07.799><c> content</c><00:27:08.360><c> that</c><00:27:08.480><c> we</c><00:27:08.679><c> have</c><00:27:08.880><c> for</c><00:27:09.240><c> today</c>

27:10

prepared content that we have for today prepared content that we have for today um<00:27:10.559><c> in</c><00:27:10.720><c> the</c><00:27:10.880><c> full</c><00:27:11.360><c> report</c><00:27:11.919><c> which</c><00:27:12.039><c> is</c><00:27:12.240><c> posted</c>

27:12

um in the full report which is posted um in the full report which is posted online<00:27:13.159><c> we</c><00:27:13.320><c> cover</c><00:27:13.880><c> many</c><00:27:14.279><c> more</c><00:27:14.600><c> topics</c><00:27:15.520><c> as</c>

27:15

online we cover many more topics as online we cover many more topics as noted<00:27:16.159><c> here</c><00:27:16.399><c> by</c><00:27:16.559><c> the</c><00:27:16.679><c> boxes</c><00:27:17.080><c> shaded</c><00:27:17.480><c> in</c><00:27:17.679><c> blue</c>

27:18

noted here by the boxes shaded in blue noted here by the boxes shaded in blue um<00:27:18.799><c> so</c><00:27:18.960><c> the</c><00:27:19.120><c> report</c><00:27:19.480><c> has</c><00:27:20.080><c> a</c><00:27:20.520><c> a</c><00:27:20.720><c> chapter</c><00:27:21.039><c> on</c>

27:21

um so the report has a a chapter on um so the report has a a chapter on employment<00:27:22.360><c> we</c><00:27:22.520><c> also</c><00:27:22.760><c> include</c><00:27:23.159><c> Banking</c><00:27:23.559><c> and</c>

27:23

employment we also include Banking and employment we also include Banking and credit<00:27:24.840><c> retirement</c><00:27:25.640><c> Investments</c><00:27:26.640><c> higher</c>

27:26

credit retirement Investments higher credit retirement Investments higher education<00:27:27.440><c> and</c><00:27:27.640><c> student</c><00:27:27.919><c> love</c><00:27:28.200><c> loans</c><00:27:28.720><c> as</c><00:27:28.840><c> well</c>

27:28

education and student love loans as well education and student love loans as well as<00:27:29.080><c> a</c><00:27:29.279><c> chapter</c><00:27:29.600><c> on</c><00:27:30.120><c> income</c><00:27:31.120><c> um</c><00:27:31.279><c> we</c><00:27:31.440><c> also</c><00:27:31.720><c> have</c>

27:31

as a chapter on income um we also have as a chapter on income um we also have more<00:27:32.279><c> information</c><00:27:32.679><c> in</c><00:27:32.840><c> the</c><00:27:33.039><c> report</c><00:27:33.399><c> on</c><00:27:33.520><c> the</c> more information in the report on the more information in the report on the topics<00:27:34.200><c> that</c><00:27:34.320><c> we</c><00:27:34.520><c> presented</c><00:27:34.960><c> today</c><00:27:35.840><c> um</c><00:27:36.000><c> than</c>

27:36

topics that we presented today um than topics that we presented today um than we<00:27:36.600><c> had</c><00:27:36.799><c> time</c><00:27:37.000><c> to</c><00:27:37.159><c> present</c><00:27:37.520><c> here</c><00:27:37.919><c> today</c><00:27:38.919><c> um</c><00:27:39.120><c> so</c>

27:39

we had time to present here today um so we had time to present here today um so now<00:27:39.840><c> I</c><00:27:39.960><c> would</c><00:27:40.120><c> like</c><00:27:40.279><c> to</c><00:27:40.480><c> hand</c><00:27:40.720><c> things</c><00:27:41.000><c> over</c><00:27:41.240><c> to</c>

27:41

now I would like to hand things over to now I would like to hand things over to Jeff<00:27:42.360><c> uh</c><00:27:42.480><c> who's</c><00:27:42.679><c> gonna</c><00:27:43.080><c> help</c><00:27:43.320><c> in</c><00:27:43.559><c> moderating</c><00:27:44.240><c> a</c>

27:44

Jeff uh who's gonna help in moderating a Jeff uh who's gonna help in moderating a Q&amp;A Q&amp;A Q&amp;A session<00:27:47.399><c> all</c><00:27:47.559><c> righty</c><00:27:48.120><c> thank</c><00:27:48.240><c> you</c><00:27:48.360><c> elisia</c><00:27:49.080><c> and</c>

27:49

session all righty thank you elisia and session all righty thank you elisia and uh<00:27:49.640><c> thank</c><00:27:49.799><c> you</c><00:27:50.559><c> Anna</c><00:27:50.880><c> and</c><00:27:51.039><c> Ellen</c><00:27:51.799><c> um</c><00:27:52.640><c> we</c><00:27:53.039><c> have</c><00:27:53.200><c> a</c>

27:53

uh thank you Anna and Ellen um we have a uh thank you Anna and Ellen um we have a lot<00:27:53.559><c> of</c><00:27:53.840><c> time</c><00:27:54.039><c> for</c><00:27:54.279><c> questions</c><00:27:54.679><c> today</c><00:27:55.399><c> um</c><00:27:55.559><c> so</c>

27:55

lot of time for questions today um so lot of time for questions today um so I'm<00:27:55.919><c> really</c><00:27:56.120><c> looking</c><00:27:56.360><c> forward</c><00:27:56.640><c> to</c><00:27:56.760><c> trying</c><00:27:56.960><c> to</c> I'm really looking forward to trying to I'm really looking forward to trying to get<00:27:57.200><c> through</c><00:27:57.399><c> as</c><00:27:57.519><c> many</c><00:27:57.720><c> questions</c><00:27:58.279><c> that</c><00:27:58.440><c> all</c>

27:58

get through as many questions that all get through as many questions that all of<00:27:58.679><c> you</c><00:27:58.919><c> have</c><00:27:59.320><c> as</c><00:27:59.440><c> we're</c><00:27:59.640><c> able</c><00:27:59.880><c> to</c><00:28:00.799><c> uh</c><00:28:00.919><c> in</c><00:28:01.159><c> the</c>

28:01

of you have as we're able to uh in the of you have as we're able to uh in the roughly<00:28:02.120><c> half</c><00:28:02.360><c> hour</c><00:28:02.640><c> that</c><00:28:02.760><c> we</c><00:28:02.960><c> have</c><00:28:03.320><c> to</c><00:28:03.720><c> to</c>

28:03

roughly half hour that we have to to roughly half hour that we have to to chat<00:28:04.159><c> with</c><00:28:04.279><c> you</c><00:28:04.440><c> all</c><00:28:05.440><c> um</c><00:28:06.240><c> first</c><00:28:06.399><c> I</c><00:28:06.519><c> want</c><00:28:06.640><c> to</c>

28:06

chat with you all um first I want to chat with you all um first I want to turn<00:28:07.039><c> back</c><00:28:07.279><c> to</c><00:28:07.559><c> the</c><00:28:07.799><c> polling</c><00:28:08.320><c> question</c><00:28:08.919><c> that</c>

28:09

turn back to the polling question that turn back to the polling question that Ellen<00:28:09.919><c> asked</c><00:28:10.159><c> you</c><00:28:10.320><c> earlier</c><00:28:10.960><c> earlier</c><00:28:11.360><c> about</c>

28:11

Ellen asked you earlier earlier about Ellen asked you earlier earlier about the<00:28:11.679><c> largest</c><00:28:12.080><c> challenges</c><00:28:12.679><c> that</c><00:28:12.760><c> you</c><00:28:12.880><c> all</c><00:28:13.000><c> are</c> the largest challenges that you all are the largest challenges that you all are hearing<00:28:13.399><c> about</c><00:28:13.559><c> in</c><00:28:13.640><c> your</c><00:28:13.960><c> communities</c><00:28:14.960><c> and</c>

28:15

hearing about in your communities and hearing about in your communities and two<00:28:16.440><c> two</c><00:28:16.640><c> areas</c><00:28:17.039><c> really</c><00:28:17.279><c> stood</c><00:28:17.679><c> out</c><00:28:18.080><c> from</c><00:28:18.360><c> that</c>

28:18

two two areas really stood out from that two two areas really stood out from that question<00:28:19.519><c> particularly</c><00:28:20.519><c> um</c><00:28:20.720><c> people</c><00:28:21.000><c> talked</c>

28:21

question particularly um people talked question particularly um people talked about<00:28:21.440><c> housing</c><00:28:21.760><c> and</c><00:28:21.880><c> people</c><00:28:22.159><c> talked</c><00:28:22.360><c> about</c> about housing and people talked about about housing and people talked about inflation<00:28:23.000><c> as</c><00:28:23.200><c> two</c><00:28:23.440><c> areas</c><00:28:23.880><c> that</c><00:28:24.000><c> were</c><00:28:24.679><c> were</c>

28:24

inflation as two areas that were were inflation as two areas that were were really<00:28:25.159><c> notable</c><00:28:25.840><c> notable</c><00:28:26.200><c> challenges</c><00:28:26.600><c> they</c> really notable notable challenges they really notable notable challenges they were<00:28:26.799><c> hearing</c><00:28:27.080><c> about</c><00:28:28.440><c> um</c><00:28:28.559><c> so</c><00:28:28.880><c> that</c><00:28:29.320><c> given</c><00:28:29.519><c> that</c>

28:29

were hearing about um so that given that were hearing about um so that given that those<00:28:29.799><c> were</c><00:28:30.120><c> two</c><00:28:30.399><c> areas</c><00:28:30.840><c> that</c><00:28:31.080><c> are</c><00:28:31.320><c> particular</c>

28:31

those were two areas that are particular those were two areas that are particular concerns<00:28:32.399><c> I</c><00:28:32.480><c> wanted</c><00:28:32.679><c> to</c><00:28:32.840><c> start</c><00:28:33.120><c> with</c><00:28:33.240><c> a</c> concerns I wanted to start with a concerns I wanted to start with a question<00:28:34.120><c> about</c><00:28:35.080><c> uh</c><00:28:35.320><c> about</c><00:28:35.760><c> housing</c><00:28:36.760><c> which</c><00:28:37.000><c> is</c>

28:37

question about uh about housing which is question about uh about housing which is whether<00:28:37.559><c> you</c><00:28:37.679><c> have</c><00:28:37.840><c> any</c><00:28:38.000><c> information</c><00:28:38.720><c> on</c><00:28:39.600><c> uh</c>

28:39

whether you have any information on uh whether you have any information on uh how<00:28:40.039><c> costs</c><00:28:40.320><c> for</c><00:28:40.480><c> homeowners</c><00:28:40.960><c> have</c><00:28:41.120><c> been</c> how costs for homeowners have been how costs for homeowners have been changing<00:28:42.039><c> and</c><00:28:42.679><c> what</c><00:28:42.799><c> the</c><00:28:42.960><c> barriers</c><00:28:43.279><c> are</c>

28:43

changing and what the barriers are changing and what the barriers are looking<00:28:43.720><c> like</c><00:28:44.080><c> for</c><00:28:44.399><c> renters</c><00:28:44.960><c> who</c><00:28:45.279><c> are</c><00:28:46.279><c> um</c><00:28:46.919><c> who</c>

28:47

looking like for renters who are um who looking like for renters who are um who are<00:28:47.200><c> looking</c><00:28:47.440><c> to</c><00:28:47.640><c> buy</c><00:28:48.640><c> um</c><00:28:48.799><c> so</c><00:28:49.480><c> Anna</c><00:28:49.919><c> can</c><00:28:50.039><c> I</c><00:28:50.519><c> pass</c>

28:50

are looking to buy um so Anna can I pass are looking to buy um so Anna can I pass this<00:28:50.919><c> question</c><00:28:51.159><c> to</c><00:28:51.320><c> you</c><00:28:51.760><c> in</c><00:28:51.880><c> terms</c><00:28:52.200><c> the</c> this question to you in terms the this question to you in terms the barriers<00:28:52.760><c> to</c><00:28:52.880><c> home</c><00:28:53.240><c> ownership</c><00:28:54.240><c> sure</c><00:28:55.360><c> um</c><00:28:56.360><c> so</c>

28:57

barriers to home ownership sure um so barriers to home ownership sure um so the<00:28:58.240><c> shed</c><00:28:58.799><c> also</c><00:29:00.000><c> um</c><00:29:01.000><c> also</c><00:29:01.279><c> ask</c><00:29:01.600><c> homeowners</c>

29:02

the shed also um also ask homeowners the shed also um also ask homeowners about<00:29:02.679><c> their</c><00:29:03.039><c> total</c><00:29:03.799><c> uh</c><00:29:04.080><c> monthly</c><00:29:04.919><c> mortgage</c>

29:05

about their total uh monthly mortgage about their total uh monthly mortgage payment<00:29:05.919><c> and</c><00:29:06.200><c> we</c><00:29:06.320><c> ask</c><00:29:06.600><c> specifically</c><00:29:07.200><c> about</c>

29:07

payment and we ask specifically about payment and we ask specifically about the<00:29:08.039><c> um</c><00:29:08.240><c> number</c><00:29:08.559><c> or</c><00:29:08.799><c> the</c><00:29:09.279><c> the</c><00:29:09.519><c> total</c><00:29:09.799><c> number</c>

29:10

the um number or the the total number the um number or the the total number that<00:29:10.120><c> you</c><00:29:10.240><c> send</c><00:29:10.480><c> to</c><00:29:10.640><c> the</c><00:29:10.760><c> bank</c><00:29:11.159><c> which</c><00:29:11.279><c> usually</c> that you send to the bank which usually that you send to the bank which usually in<00:29:12.080><c> includes</c><00:29:12.440><c> your</c><00:29:12.559><c> escrow</c><00:29:13.000><c> payment</c><00:29:13.960><c> um</c><00:29:14.200><c> which</c>

29:14

in includes your escrow payment um which in includes your escrow payment um which includes<00:29:14.679><c> a</c><00:29:15.320><c> mortgage</c><00:29:16.200><c> um</c><00:29:16.960><c> and</c><00:29:17.720><c> property</c><00:29:18.519><c> uh</c>

29:18

includes a mortgage um and property uh includes a mortgage um and property uh property<00:29:19.080><c> taxes</c><00:29:19.519><c> and</c><00:29:19.679><c> homeowners</c><00:29:20.240><c> insurance</c>

29:20

property taxes and homeowners insurance property taxes and homeowners insurance and<00:29:21.000><c> we</c><00:29:21.120><c> know</c><00:29:21.320><c> from</c><00:29:21.720><c> other</c><00:29:22.080><c> reporting</c><00:29:22.399><c> in</c> and we know from other reporting in and we know from other reporting in other<00:29:22.720><c> data</c><00:29:22.960><c> sources</c><00:29:23.360><c> that</c><00:29:23.519><c> the</c><00:29:23.720><c> cost</c><00:29:23.919><c> of</c>

29:24

other data sources that the cost of other data sources that the cost of homeowners<00:29:24.559><c> insurance</c><00:29:25.480><c> is</c><00:29:25.640><c> increasing</c><00:29:26.200><c> as</c>

29:26

homeowners insurance is increasing as homeowners insurance is increasing as well<00:29:26.480><c> as</c><00:29:26.679><c> property</c><00:29:27.039><c> taxes</c><00:29:27.919><c> um</c><00:29:28.519><c> however</c><00:29:28.880><c> we</c><00:29:29.440><c> we</c>

29:29

well as property taxes um however we we well as property taxes um however we we don't<00:29:30.240><c> um</c><00:29:30.360><c> in</c><00:29:30.440><c> the</c><00:29:30.559><c> survey</c><00:29:30.960><c> ask</c><00:29:31.200><c> homeowners</c>

29:32

don't um in the survey ask homeowners don't um in the survey ask homeowners directly<00:29:33.080><c> about</c><00:29:33.799><c> any</c><00:29:34.000><c> of</c><00:29:34.200><c> these</c><00:29:34.399><c> items</c>

29:34

directly about any of these items directly about any of these items unfortunately<00:29:35.519><c> so</c><00:29:36.399><c> um</c><00:29:36.799><c> while</c><00:29:37.000><c> we</c><00:29:37.120><c> may</c><00:29:37.320><c> be</c>

29:37

unfortunately so um while we may be unfortunately so um while we may be indirectly<00:29:38.360><c> picking</c><00:29:38.720><c> up</c><00:29:39.000><c> some</c><00:29:39.159><c> of</c><00:29:39.360><c> these</c> indirectly picking up some of these indirectly picking up some of these increased<00:29:40.080><c> cost</c><00:29:40.279><c> of</c><00:29:40.440><c> homeowners</c><00:29:41.360><c> um</c><00:29:41.640><c> have</c>

29:41

increased cost of homeowners um have increased cost of homeowners um have been<00:29:42.640><c> uh</c><00:29:42.760><c> facing</c><00:29:43.760><c> um</c><00:29:43.880><c> it's</c><00:29:44.080><c> going</c><00:29:44.159><c> to</c><00:29:44.240><c> be</c>

29:44

been uh facing um it's going to be been uh facing um it's going to be pretty<00:29:44.600><c> hard</c><00:29:44.760><c> to</c><00:29:45.039><c> tease</c><00:29:45.399><c> them</c><00:29:45.600><c> apart</c><00:29:45.960><c> in</c><00:29:46.120><c> the</c> pretty hard to tease them apart in the pretty hard to tease them apart in the shed<00:29:46.919><c> data</c><00:29:47.919><c> um</c><00:29:48.440><c> the</c><00:29:49.120><c> second</c><00:29:50.120><c> part</c><00:29:50.720><c> of</c><00:29:51.039><c> that</c>

29:51

shed data um the second part of that shed data um the second part of that question<00:29:51.760><c> barriers</c><00:29:52.480><c> to</c><00:29:52.840><c> home</c><00:29:53.080><c> ownership</c><00:29:54.080><c> we</c>

29:54

question barriers to home ownership we question barriers to home ownership we there's<00:29:54.760><c> a</c><00:29:55.000><c> question</c><00:29:55.279><c> about</c><00:29:55.559><c> asking</c><00:29:55.840><c> renters</c> there's a question about asking renters there's a question about asking renters why<00:29:56.679><c> they</c><00:29:56.919><c> rent</c><00:29:57.919><c> um</c><00:29:58.200><c> um</c><00:29:59.240><c> and</c><00:30:00.240><c> um</c><00:30:00.399><c> some</c><00:30:00.519><c> of</c><00:30:00.679><c> the</c>

30:01

why they rent um um and um some of the why they rent um um and um some of the biggest<00:30:01.480><c> ISS</c><00:30:01.760><c> or</c><00:30:01.960><c> the</c><00:30:02.159><c> most</c><00:30:02.440><c> common</c><00:30:03.159><c> um</c>

30:03

biggest ISS or the most common um biggest ISS or the most common um reasons<00:30:03.840><c> given</c><00:30:04.159><c> are</c><00:30:04.519><c> Financial</c><00:30:05.159><c> so</c><00:30:05.399><c> it's</c>

30:05

reasons given are Financial so it's reasons given are Financial so it's challenges<00:30:06.559><c> saving</c><00:30:06.919><c> up</c><00:30:07.039><c> and</c><00:30:07.200><c> affording</c><00:30:07.559><c> a</c> challenges saving up and affording a challenges saving up and affording a down<00:30:08.080><c> payment</c><00:30:09.080><c> um</c><00:30:09.240><c> concern</c><00:30:09.679><c> that</c><00:30:09.840><c> they</c><00:30:09.960><c> would</c>

30:10

down payment um concern that they would down payment um concern that they would be<00:30:10.279><c> approved</c><00:30:10.679><c> for</c><00:30:10.840><c> a</c><00:30:11.120><c> mortgage</c><00:30:12.120><c> um</c><00:30:12.279><c> or</c><00:30:12.440><c> also</c>

30:12

be approved for a mortgage um or also be approved for a mortgage um or also just<00:30:13.039><c> concern</c><00:30:13.760><c> or</c><00:30:14.039><c> challenges</c><00:30:14.559><c> about</c>

30:14

just concern or challenges about just concern or challenges about covering<00:30:15.240><c> just</c><00:30:15.360><c> a</c><00:30:15.519><c> monthly</c><00:30:15.880><c> mortgage</c>

30:18

covering just a monthly mortgage covering just a monthly mortgage payment<00:30:19.080><c> great</c><00:30:19.519><c> thank</c><00:30:20.000><c> you</c><00:30:21.000><c> um</c><00:30:21.720><c> and</c><00:30:22.039><c> so</c><00:30:22.159><c> I</c><00:30:22.279><c> said</c>

30:22

payment great thank you um and so I said payment great thank you um and so I said that<00:30:22.600><c> the</c><00:30:22.880><c> other</c><00:30:23.120><c> area</c><00:30:23.399><c> that</c><00:30:23.519><c> really</c><00:30:23.720><c> stood</c> that the other area that really stood that the other area that really stood out<00:30:24.320><c> in</c><00:30:24.960><c> uh</c><00:30:25.159><c> the</c><00:30:25.640><c> challenges</c><00:30:26.120><c> pillar</c><00:30:26.320><c> he</c><00:30:26.559><c> about</c>

30:26

out in uh the challenges pillar he about out in uh the challenges pillar he about is<00:30:26.840><c> inflation</c><00:30:28.159><c> and</c><00:30:28.600><c> a</c><00:30:28.799><c> question</c><00:30:29.200><c> that</c><00:30:29.720><c> uh</c><00:30:29.840><c> we</c>

30:29

is inflation and a question that uh we is inflation and a question that uh we got<00:30:30.240><c> that</c><00:30:30.679><c> ties</c><00:30:31.039><c> into</c><00:30:31.440><c> that</c><00:30:31.880><c> uh</c><00:30:32.039><c> which</c><00:30:32.240><c> I'll</c>

30:32

got that ties into that uh which I'll got that ties into that uh which I'll pass<00:30:32.720><c> to</c><00:30:32.880><c> Ellen</c><00:30:33.519><c> is</c><00:30:34.360><c> um</c><00:30:34.640><c> the</c><00:30:34.679><c> $400</c><00:30:35.480><c> question</c>

30:35

pass to Ellen is um the $400 question pass to Ellen is um the $400 question has<00:30:36.159><c> been</c><00:30:36.919><c> a</c><00:30:37.600><c> a</c><00:30:37.840><c> question</c><00:30:38.240><c> that</c><00:30:38.399><c> comes</c><00:30:38.679><c> up</c><00:30:38.880><c> a</c>

30:39

has been a a question that comes up a has been a a question that comes up a lot<00:30:39.600><c> uh</c><00:30:39.799><c> has</c><00:30:39.880><c> been</c><00:30:40.000><c> really</c><00:30:40.200><c> been</c><00:30:40.320><c> a</c><00:30:40.440><c> focus</c><00:30:40.720><c> of</c> lot uh has been really been a focus of lot uh has been really been a focus of the<00:30:41.240><c> survey</c><00:30:42.240><c> um</c><00:30:42.919><c> and</c><00:30:43.120><c> so</c><00:30:43.360><c> we</c><00:30:43.480><c> got</c><00:30:43.600><c> a</c><00:30:43.720><c> question</c>

30:44

the survey um and so we got a question the survey um and so we got a question asking<00:30:44.480><c> us</c><00:30:45.320><c> um</c><00:30:45.640><c> where</c><00:30:45.799><c> did</c><00:30:45.960><c> the</c><00:30:46.000><c> $400</c><00:30:46.640><c> come</c>

30:46

asking us um where did the $400 come asking us um where did the $400 come from<00:30:46.919><c> and</c><00:30:47.039><c> have</c><00:30:47.159><c> we</c><00:30:47.279><c> thought</c><00:30:47.480><c> about</c><00:30:47.720><c> adjusting</c> from and have we thought about adjusting from and have we thought about adjusting it<00:30:48.200><c> for</c><00:30:48.360><c> inflation</c><00:30:48.760><c> given</c><00:30:49.080><c> these</c><00:30:49.399><c> these</c>

30:49

it for inflation given these these it for inflation given these these challenges<00:30:50.240><c> of</c><00:30:50.799><c> of</c><00:30:51.000><c> higher</c><00:30:51.279><c> prices</c><00:30:51.600><c> that</c>

30:51

challenges of of higher prices that challenges of of higher prices that people<00:30:52.320><c> have</c><00:30:53.320><c> sure</c><00:30:54.279><c> um</c><00:30:55.279><c> with</c><00:30:55.519><c> the</c><00:30:55.760><c> the</c><00:30:56.200><c> $400</c><00:30:57.200><c> I</c>

30:57

people have sure um with the the $400 I people have sure um with the the $400 I um<00:30:58.080><c> idea</c><00:30:58.519><c> behind</c><00:30:59.000><c> using</c><00:30:59.360><c> that</c><00:30:59.440><c> $400</c><00:31:00.279><c> number</c><00:31:00.960><c> um</c>

31:01

um idea behind using that $400 number um um idea behind using that $400 number um was<00:31:01.360><c> to</c><00:31:01.559><c> try</c><00:31:01.760><c> to</c><00:31:01.960><c> get</c><00:31:02.360><c> at</c><00:31:03.399><c> um</c><00:31:04.399><c> the</c><00:31:04.760><c> type</c><00:31:04.960><c> of</c>

31:05

was to try to get at um the type of was to try to get at um the type of expense<00:31:05.720><c> that</c><00:31:06.000><c> people</c><00:31:06.320><c> might</c><00:31:06.840><c> have</c><00:31:06.960><c> to</c><00:31:07.200><c> kind</c>

31:07

expense that people might have to kind expense that people might have to kind of<00:31:07.519><c> cover</c><00:31:07.880><c> out</c><00:31:08.000><c> of</c><00:31:08.159><c> the</c><00:31:08.279><c> blue</c><00:31:08.760><c> you</c><00:31:08.880><c> know</c> of cover out of the blue you know of cover out of the blue you know something<00:31:09.519><c> like</c><00:31:09.639><c> a</c><00:31:09.799><c> car</c><00:31:10.039><c> repair</c><00:31:10.399><c> or</c><00:31:10.519><c> an</c>

31:10

something like a car repair or an something like a car repair or an appliance<00:31:11.200><c> breakdown</c><00:31:11.679><c> or</c><00:31:11.880><c> this</c><00:31:12.039><c> sort</c><00:31:12.240><c> of</c> appliance breakdown or this sort of appliance breakdown or this sort of thing<00:31:13.559><c> um</c><00:31:14.159><c> and</c><00:31:15.120><c> um</c><00:31:15.360><c> we</c><00:31:15.919><c> we</c><00:31:16.120><c> did</c><00:31:16.519><c> explore</c><00:31:17.519><c> um</c>

31:18

thing um and um we we did explore um thing um and um we we did explore um whether<00:31:18.679><c> or</c><00:31:18.840><c> not</c><00:31:19.159><c> we</c><00:31:19.320><c> needed</c><00:31:19.600><c> to</c><00:31:19.799><c> change</c><00:31:20.279><c> that</c>

31:20

whether or not we needed to change that whether or not we needed to change that in<00:31:20.639><c> the</c><00:31:20.799><c> 2022</c><00:31:21.559><c> survey</c><00:31:22.000><c> so</c><00:31:22.200><c> that's</c><00:31:22.559><c> one</c><00:31:22.960><c> you</c>

31:23

in the 2022 survey so that's one you in the 2022 survey so that's one you know<00:31:23.799><c> one</c><00:31:24.039><c> years</c><00:31:24.360><c> prior</c><00:31:24.720><c> not</c><00:31:24.880><c> the</c><00:31:25.000><c> most</c><00:31:25.200><c> recent</c>

31:25

know one years prior not the most recent know one years prior not the most recent one<00:31:25.639><c> that</c><00:31:25.720><c> we</c><00:31:25.880><c> filled</c><00:31:26.120><c> it</c><00:31:27.000><c> um</c><00:31:27.399><c> we</c><00:31:27.600><c> did</c><00:31:27.919><c> did</c><00:31:28.039><c> a</c>

31:28

one that we filled it um we did did a one that we filled it um we did did a little<00:31:28.320><c> bit</c><00:31:28.440><c> of</c><00:31:28.600><c> a</c><00:31:28.919><c> a</c><00:31:29.080><c> test</c><00:31:29.440><c> a</c><00:31:29.559><c> split</c><00:31:29.840><c> sample</c>

31:30

little bit of a a test a split sample little bit of a a test a split sample test<00:31:30.440><c> where</c><00:31:30.600><c> we</c><00:31:30.720><c> asked</c><00:31:30.960><c> a</c><00:31:31.120><c> fifth</c><00:31:31.320><c> of</c><00:31:31.480><c> the</c><00:31:31.720><c> the</c> test where we asked a fifth of the the test where we asked a fifth of the the respondents<00:31:33.039><c> um</c><00:31:33.200><c> the</c><00:31:33.320><c> same</c><00:31:33.600><c> question</c><00:31:34.000><c> with</c>

31:34

respondents um the same question with respondents um the same question with $500<00:31:34.919><c> in</c><00:31:35.039><c> it</c><00:31:35.320><c> instead</c><00:31:35.600><c> of</c><00:31:35.960><c> $400</c><00:31:36.960><c> and</c><00:31:37.399><c> the</c>

31:37

$500 in it instead of $400 and the $500 in it instead of $400 and the results<00:31:38.039><c> were</c><00:31:38.240><c> very</c><00:31:38.440><c> similar</c><00:31:38.799><c> it</c><00:31:38.880><c> was</c><00:31:39.000><c> only</c> results were very similar it was only results were very similar it was only different<00:31:39.720><c> by</c><00:31:40.320><c> about</c><00:31:40.519><c> a</c><00:31:40.679><c> half</c><00:31:40.840><c> a</c><00:31:41.039><c> percentage</c>

31:41

different by about a half a percentage different by about a half a percentage point<00:31:41.600><c> of</c><00:31:41.760><c> the</c><00:31:41.840><c> share</c><00:31:42.159><c> who</c><00:31:42.320><c> said</c><00:31:42.519><c> that</c><00:31:42.639><c> they</c> point of the share who said that they point of the share who said that they would<00:31:42.960><c> cover</c><00:31:43.200><c> it</c><00:31:43.399><c> with</c><00:31:43.559><c> by</c><00:31:43.799><c> cash</c><00:31:44.000><c> or</c>

31:44

would cover it with by cash or would cover it with by cash or equivalent<00:31:44.720><c> so</c><00:31:45.480><c> um</c><00:31:45.600><c> for</c><00:31:45.840><c> right</c><00:31:46.000><c> now</c><00:31:46.200><c> we've</c>

31:46

equivalent so um for right now we've equivalent so um for right now we've kept<00:31:46.600><c> the</c><00:31:46.960><c> amount</c><00:31:47.279><c> the</c><00:31:47.440><c> same</c><00:31:47.880><c> um</c><00:31:48.240><c> thinking</c>

31:48

kept the amount the same um thinking kept the amount the same um thinking that<00:31:49.240><c> it</c><00:31:49.440><c> it's</c><00:31:49.600><c> more</c><00:31:49.760><c> or</c><00:31:49.919><c> less</c><00:31:50.120><c> picking</c><00:31:50.440><c> up</c><00:31:51.200><c> um</c>

31:51

that it it's more or less picking up um that it it's more or less picking up um that<00:31:51.559><c> the</c><00:31:51.720><c> spirit</c><00:31:52.039><c> of</c><00:31:52.159><c> what</c><00:31:52.279><c> we</c><00:31:52.360><c> were</c><00:31:52.440><c> trying</c> that the spirit of what we were trying that the spirit of what we were trying to<00:31:52.799><c> get</c><00:31:52.960><c> at</c><00:31:53.519><c> with</c><00:31:53.600><c> the</c>

31:54

to get at with the to get at with the number<00:31:56.440><c> thanks</c><00:31:57.440><c> so</c><00:31:57.559><c> we</c><00:31:57.679><c> have</c><00:31:57.960><c> a</c><00:31:58.000><c> couple</c><00:31:58.200><c> of</c>

31:58

number thanks so we have a couple of number thanks so we have a couple of questions<00:31:58.600><c> that</c><00:31:58.840><c> come</c><00:31:59.120><c> in</c><00:31:59.600><c> about</c><00:32:00.080><c> multiple</c>

32:00

questions that come in about multiple questions that come in about multiple job<00:32:00.919><c> holders</c><00:32:01.840><c> um</c><00:32:02.120><c> particularly</c><00:32:02.559><c> thinking</c>

32:02

job holders um particularly thinking job holders um particularly thinking about<00:32:03.279><c> the</c><00:32:03.559><c> information</c><00:32:04.039><c> Ellen</c><00:32:04.399><c> that</c><00:32:04.519><c> you</c>

32:05

about the information Ellen that you about the information Ellen that you presented<00:32:06.279><c> showing</c><00:32:07.039><c> the</c><00:32:08.039><c> um</c><00:32:08.840><c> number</c><00:32:09.039><c> of</c>

32:09

presented showing the um number of presented showing the um number of people<00:32:09.600><c> who</c><00:32:09.799><c> took</c><00:32:09.960><c> on</c><00:32:10.120><c> an</c><00:32:10.320><c> extra</c><00:32:10.679><c> job</c><00:32:10.960><c> to</c><00:32:11.080><c> make</c>

32:11

people who took on an extra job to make people who took on an extra job to make ends<00:32:11.559><c> meet</c><00:32:12.320><c> um</c><00:32:12.480><c> and</c><00:32:12.639><c> that</c><00:32:12.760><c> the</c><00:32:12.880><c> percent</c><00:32:13.120><c> was</c>

32:13

ends meet um and that the percent was ends meet um and that the percent was relatively<00:32:13.639><c> low</c><00:32:14.360><c> uh</c><00:32:14.760><c> were</c><00:32:14.880><c> wondering</c><00:32:15.240><c> was</c>

32:15

relatively low uh were wondering was relatively low uh were wondering was there<00:32:15.760><c> are</c><00:32:15.880><c> there</c><00:32:16.000><c> any</c><00:32:16.200><c> questions</c><00:32:16.440><c> in</c><00:32:16.559><c> the</c> there are there any questions in the there are there any questions in the survey<00:32:17.279><c> asking</c><00:32:17.679><c> about</c><00:32:18.320><c> how</c><00:32:18.440><c> many</c><00:32:18.720><c> people</c><00:32:19.159><c> are</c>

32:19

survey asking about how many people are survey asking about how many people are are<00:32:19.919><c> working</c><00:32:20.240><c> more</c><00:32:20.440><c> than</c><00:32:20.600><c> one</c><00:32:20.960><c> job</c><00:32:21.760><c> um</c><00:32:22.480><c> and</c><00:32:22.639><c> how</c>

32:22

are working more than one job um and how are working more than one job um and how that<00:32:22.919><c> compares</c><00:32:23.240><c> to</c><00:32:23.399><c> previous</c>

32:25

that compares to previous that compares to previous years<00:32:26.480><c> um</c><00:32:27.000><c> and</c><00:32:27.639><c> uh</c><00:32:27.960><c> Ellen</c><00:32:28.240><c> or</c><00:32:28.399><c> Anna</c><00:32:28.639><c> I</c><00:32:28.679><c> think</c>

32:28

years um and uh Ellen or Anna I think years um and uh Ellen or Anna I think that<00:32:28.960><c> one</c><00:32:29.080><c> either</c><00:32:29.240><c> one</c><00:32:29.360><c> of</c><00:32:29.480><c> you</c><00:32:29.559><c> can</c><00:32:29.679><c> take</c><00:32:29.880><c> that</c> that one either one of you can take that that one either one of you can take that one

32:50

we do have um a well we do know uh if we do have um a well we do know uh if folks<00:32:50.519><c> are</c><00:32:50.679><c> working</c><00:32:51.120><c> full-time</c><00:32:51.600><c> or</c><00:32:51.880><c> part-time</c>

32:53

folks are working full-time or part-time folks are working full-time or part-time um<00:32:54.960><c> then</c><00:32:55.279><c> Ellen</c><00:32:55.559><c> I</c><00:32:55.600><c> might</c><00:32:55.760><c> hand</c><00:32:55.880><c> it</c><00:32:56.000><c> off</c><00:32:56.120><c> for</c>

32:56

um then Ellen I might hand it off for um then Ellen I might hand it off for you<00:32:56.440><c> about</c><00:32:56.679><c> multiple</c><00:32:57.159><c> jobs</c>

33:03

[Music] [Music] um<00:33:04.840><c> I</c><00:33:05.360><c> don't</c><00:33:06.360><c> I</c><00:33:06.440><c> mean</c><00:33:06.679><c> that</c><00:33:06.880><c> that</c><00:33:07.000><c> was</c><00:33:07.200><c> then</c><00:33:07.399><c> the</c>

33:08

um I don't I mean that that was then the um I don't I mean that that was then the inflation

33:10

inflation inflation um<00:33:11.919><c> chapter</c><00:33:12.519><c> about</c><00:33:12.919><c> working</c><00:33:13.320><c> more</c><00:33:13.880><c> or</c>

33:22

um uh worked more got another job that um uh worked more got another job that was<00:33:23.039><c> 18%</c><00:33:23.880><c> of</c><00:33:24.039><c> people</c><00:33:24.279><c> but</c><00:33:24.480><c> I</c><00:33:24.559><c> don't</c><00:33:24.799><c> have</c><00:33:25.039><c> this</c>

33:25

was 18% of people but I don't have this was 18% of people but I don't have this the<00:33:25.399><c> numbers</c><00:33:26.200><c> um</c><00:33:26.480><c> handy</c><00:33:26.840><c> on</c><00:33:27.000><c> the</c><00:33:27.120><c> share</c><00:33:27.880><c> who</c>

33:28

the numbers um handy on the share who the numbers um handy on the share who were<00:33:28.240><c> working</c><00:33:28.559><c> more</c><00:33:28.919><c> more</c><00:33:29.120><c> than</c><00:33:29.279><c> one</c><00:33:29.600><c> job</c><00:33:30.559><c> in</c>

33:30

were working more more than one job in were working more more than one job in the<00:33:31.000><c> the</c><00:33:31.159><c> latest</c><00:33:31.519><c> report</c><00:33:31.919><c> do</c><00:33:32.080><c> you</c><00:33:32.240><c> have</c><00:33:32.519><c> that</c>

33:33

the the latest report do you have that the the latest report do you have that so<00:33:33.840><c> so</c><00:33:34.080><c> I</c><00:33:34.159><c> think</c><00:33:34.279><c> this</c><00:33:34.399><c> is</c><00:33:34.480><c> a</c><00:33:34.919><c> I</c><00:33:35.000><c> can</c><00:33:35.159><c> use</c><00:33:35.360><c> this</c> so so I think this is a I can use this so so I think this is a I can use this opportunity<00:33:35.919><c> to</c><00:33:36.080><c> plug</c><00:33:36.360><c> the</c><00:33:36.559><c> fact</c><00:33:36.880><c> that</c><00:33:37.240><c> uh</c><00:33:37.360><c> so</c>

33:37

opportunity to plug the fact that uh so opportunity to plug the fact that uh so we<00:33:37.600><c> do</c><00:33:37.720><c> have</c><00:33:37.840><c> a</c><00:33:37.960><c> question</c><00:33:38.200><c> about</c><00:33:38.399><c> this</c><00:33:38.519><c> in</c><00:33:38.639><c> the</c> we do have a question about this in the we do have a question about this in the survey<00:33:40.080><c> um</c><00:33:40.600><c> and</c><00:33:41.279><c> if</c><00:33:41.399><c> you</c><00:33:41.600><c> go</c><00:33:41.840><c> to</c><00:33:42.840><c> the</c><00:33:43.519><c> uh</c>

33:43

survey um and if you go to the uh survey um and if you go to the uh Federal<00:33:44.320><c> Reserve</c><00:33:45.279><c> uh</c><00:33:45.600><c> website</c><00:33:46.159><c> that</c><00:33:46.399><c> has</c><00:33:46.760><c> all</c>

33:46

Federal Reserve uh website that has all Federal Reserve uh website that has all of<00:33:47.039><c> the</c><00:33:47.200><c> shed</c><00:33:47.559><c> data</c><00:33:47.799><c> including</c><00:33:48.240><c> the</c><00:33:48.399><c> appendix</c>

33:49

of the shed data including the appendix of the shed data including the appendix and<00:33:49.880><c> uh</c><00:33:50.000><c> all</c><00:33:50.159><c> the</c><00:33:50.600><c> individual</c><00:33:51.080><c> questions</c><00:33:51.399><c> we</c>

33:51

and uh all the individual questions we and uh all the individual questions we do<00:33:51.760><c> have</c><00:33:51.960><c> qu</c><00:33:52.200><c> a</c><00:33:52.360><c> question</c><00:33:52.799><c> there</c><00:33:53.120><c> about</c><00:33:54.120><c> uh</c><00:33:54.240><c> the</c>

33:54

do have qu a question there about uh the do have qu a question there about uh the share<00:33:54.639><c> of</c><00:33:54.840><c> people</c><00:33:55.240><c> who</c><00:33:56.000><c> have</c><00:33:56.200><c> multiple</c><00:33:56.679><c> jobs</c>

33:57

share of people who have multiple jobs share of people who have multiple jobs um<00:33:58.000><c> so</c><00:33:58.200><c> I</c><00:33:58.360><c> encourage</c><00:33:59.360><c> people</c><00:34:00.080><c> sort</c><00:34:00.240><c> of</c>

34:00

um so I encourage people sort of um so I encourage people sort of interested<00:34:00.720><c> that</c><00:34:00.880><c> those</c><00:34:01.000><c> particular</c><00:34:01.320><c> issues</c>

34:02

interested that those particular issues interested that those particular issues um<00:34:02.639><c> there</c><00:34:02.760><c> is</c><00:34:02.919><c> more</c><00:34:03.120><c> data</c><00:34:03.360><c> on</c><00:34:03.480><c> the</c><00:34:03.600><c> federal</c> um there is more data on the federal um there is more data on the federal reserve's<00:34:04.200><c> website</c><00:34:04.519><c> to</c><00:34:04.600><c> be</c><00:34:04.720><c> able</c><00:34:04.919><c> to</c><00:34:05.080><c> to</c>

34:05

reserve's website to be able to to reserve's website to be able to to answer<00:34:05.480><c> that</c><00:34:05.639><c> question</c><00:34:06.399><c> um</c><00:34:06.519><c> in</c><00:34:06.600><c> terms</c><00:34:06.760><c> of</c><00:34:06.840><c> the</c> answer that question um in terms of the answer that question um in terms of the trend<00:34:07.159><c> over</c><00:34:07.440><c> time</c><00:34:07.960><c> I</c><00:34:08.079><c> believe</c><00:34:08.359><c> that</c><00:34:08.480><c> the</c>

34:08

trend over time I believe that the trend over time I believe that the answer<00:34:08.839><c> is</c><00:34:09.040><c> it</c><00:34:09.159><c> looks</c><00:34:09.440><c> pretty</c><00:34:09.720><c> similar</c><00:34:10.119><c> over</c> answer is it looks pretty similar over answer is it looks pretty similar over time<00:34:10.560><c> although</c><00:34:10.760><c> I</c><00:34:10.839><c> don't</c><00:34:10.960><c> know</c><00:34:11.079><c> the</c><00:34:11.240><c> exact</c><00:34:11.760><c> uh</c>

34:11

time although I don't know the exact uh time although I don't know the exact uh the<00:34:12.000><c> exact</c><00:34:12.240><c> share</c><00:34:12.520><c> that</c><00:34:12.599><c> we're</c><00:34:12.760><c> seeing</c><00:34:13.000><c> in</c><00:34:13.079><c> the</c>

34:19

data um all right I'm going to turn this data um all right I'm going to turn this question<00:34:20.599><c> um</c><00:34:20.839><c> over</c><00:34:21.119><c> to</c><00:34:21.760><c> Alicia</c><00:34:22.240><c> which</c><00:34:22.359><c> was</c><00:34:22.480><c> a</c>

34:22

question um over to Alicia which was a question um over to Alicia which was a question<00:34:23.320><c> about</c><00:34:24.320><c> um</c><00:34:25.119><c> child</c><00:34:25.599><c> care</c><00:34:26.599><c> which</c><00:34:27.000><c> is</c><00:34:27.919><c> um</c>

34:28

question about um child care which is um question about um child care which is um whether<00:34:28.599><c> we</c><00:34:28.720><c> know</c><00:34:28.839><c> anything</c><00:34:29.079><c> about</c><00:34:29.480><c> the</c><00:34:30.159><c> uh</c>

34:30

whether we know anything about the uh whether we know anything about the uh cost<00:34:30.599><c> of</c><00:34:30.839><c> child</c><00:34:31.240><c> care</c><00:34:31.440><c> varying</c><00:34:32.040><c> across</c> cost of child care varying across cost of child care varying across different<00:34:32.520><c> areas</c><00:34:32.760><c> of</c><00:34:32.879><c> the</c><00:34:32.960><c> country</c><00:34:33.720><c> um</c><00:34:34.000><c> do</c><00:34:34.159><c> we</c>

34:34

different areas of the country um do we different areas of the country um do we do<00:34:34.520><c> we</c><00:34:34.599><c> see</c><00:34:34.839><c> differences</c><00:34:35.320><c> there</c><00:34:35.599><c> and</c><00:34:35.960><c> and</c><00:34:36.679><c> um</c>

34:37

do we see differences there and and um do we see differences there and and um recognizing<00:34:37.839><c> that</c><00:34:38.000><c> there's</c><00:34:38.200><c> higher</c><00:34:38.359><c> and</c> recognizing that there's higher and recognizing that there's higher and lower<00:34:38.760><c> cost</c><00:34:39.040><c> places</c><00:34:39.760><c> uh</c><00:34:39.879><c> across</c><00:34:40.159><c> the</c>

34:41

lower cost places uh across the lower cost places uh across the country<00:34:42.480><c> um</c><00:34:42.919><c> yeah</c>

34:43

country um yeah country um yeah so<00:34:44.879><c> I</c><00:34:45.480><c> not</c><00:34:45.919><c> remembering</c><00:34:46.919><c> if</c><00:34:47.040><c> we</c><00:34:47.240><c> check</c><00:34:47.520><c> that</c>

34:48

so I not remembering if we check that so I not remembering if we check that specifically<00:34:49.240><c> across</c><00:34:49.679><c> different</c><00:34:50.240><c> regions</c>

34:51

specifically across different regions specifically across different regions how<00:34:51.480><c> that</c><00:34:51.679><c> may</c><00:34:52.040><c> vary</c><00:34:52.960><c> um</c><00:34:53.159><c> that's</c><00:34:53.280><c> a</c><00:34:53.480><c> good</c>

34:53

how that may vary um that's a good how that may vary um that's a good question<00:34:54.520><c> um</c><00:34:54.800><c> something</c><00:34:55.159><c> we</c><00:34:55.280><c> can</c><00:34:55.480><c> look</c><00:34:55.639><c> at</c>

34:55

question um something we can look at question um something we can look at Anna<00:34:56.159><c> Do</c><00:34:56.240><c> you</c><00:34:56.359><c> happen</c><00:34:56.560><c> to</c><00:34:56.760><c> remember</c>

34:58

Anna Do you happen to remember Anna Do you happen to remember if<00:34:58.720><c> uh</c><00:34:59.320><c> looking</c><00:34:59.599><c> at</c><00:34:59.800><c> that</c><00:34:59.960><c> I</c><00:35:00.040><c> know</c><00:35:00.320><c> with</c><00:35:00.440><c> the</c>

35:00

if uh looking at that I know with the if uh looking at that I know with the child<00:35:00.960><c> care</c><00:35:01.160><c> stuff</c><00:35:01.440><c> it's</c><00:35:01.760><c> somewhat</c><00:35:02.760><c> Limited</c>

35:03

child care stuff it's somewhat Limited child care stuff it's somewhat Limited in<00:35:03.440><c> what</c><00:35:03.599><c> we</c><00:35:03.720><c> can</c><00:35:03.920><c> do</c><00:35:04.320><c> just</c><00:35:04.599><c> because</c><00:35:05.119><c> our</c>

35:05

in what we can do just because our in what we can do just because our sample<00:35:05.760><c> sizes</c><00:35:06.599><c> you</c><00:35:06.760><c> know</c><00:35:07.040><c> smaller</c><00:35:07.520><c> if</c><00:35:07.640><c> you</c>

35:07

sample sizes you know smaller if you sample sizes you know smaller if you remember<00:35:08.079><c> that</c><00:35:08.280><c> pie</c><00:35:08.520><c> chart</c><00:35:08.760><c> I</c><00:35:08.880><c> had</c><00:35:09.119><c> it's</c><00:35:09.440><c> 19%</c>

35:10

remember that pie chart I had it's 19% remember that pie chart I had it's 19% of<00:35:10.800><c> all</c><00:35:11.040><c> adults</c><00:35:11.520><c> so</c><00:35:12.280><c> 19%</c><00:35:12.920><c> of</c><00:35:13.040><c> our</c><00:35:13.200><c> sample</c><00:35:14.040><c> that</c>

35:14

of all adults so 19% of our sample that of all adults so 19% of our sample that said<00:35:14.480><c> we</c><00:35:14.720><c> we</c><00:35:14.920><c> probably</c><00:35:15.280><c> could</c><00:35:15.520><c> split</c><00:35:15.839><c> it</c><00:35:15.960><c> by</c> said we we probably could split it by said we we probably could split it by region<00:35:16.640><c> I'm</c><00:35:16.760><c> just</c><00:35:16.880><c> not</c><00:35:17.079><c> remembering</c><00:35:17.640><c> if</c><00:35:18.119><c> if</c>

35:18

region I'm just not remembering if if region I'm just not remembering if if that's<00:35:18.440><c> something</c><00:35:18.760><c> we</c><00:35:18.880><c> did</c><00:35:19.400><c> but</c><00:35:19.560><c> anim</c><00:35:19.880><c> may</c> that's something we did but anim may that's something we did but anim may remember<00:35:21.240><c> we</c><00:35:21.720><c> did</c><00:35:22.200><c> but</c><00:35:22.560><c> the</c><00:35:23.119><c> sample</c><00:35:23.680><c> size</c><00:35:24.000><c> gets</c>

35:24

remember we did but the sample size gets remember we did but the sample size gets pretty<00:35:24.599><c> small</c><00:35:25.000><c> pretty</c><00:35:25.320><c> quick</c><00:35:25.880><c> because</c>

35:26

pretty small pretty quick because pretty small pretty quick because parents<00:35:26.640><c> of</c><00:35:26.880><c> children</c><00:35:27.160><c> under</c><00:35:28.040><c> is</c><00:35:28.160><c> a</c>

35:28

parents of children under is a parents of children under is a relatively<00:35:28.800><c> small</c><00:35:29.079><c> group</c><00:35:29.359><c> so</c><00:35:29.480><c> it</c><00:35:29.599><c> works</c><00:35:30.119><c> for</c>

35:31

relatively small group so it works for relatively small group so it works for works<00:35:31.359><c> for</c><00:35:31.560><c> region</c><00:35:31.880><c> it</c><00:35:32.000><c> works</c><00:35:32.200><c> for</c><00:35:32.359><c> some</c> works for region it works for some works for region it works for some census<00:35:33.040><c> divisions</c><00:35:33.520><c> but</c><00:35:33.680><c> not</c>

35:39

others all right thanks and and that others all right thanks and and that leads<00:35:39.599><c> I</c><00:35:39.680><c> think</c><00:35:39.839><c> actually</c><00:35:40.040><c> into</c><00:35:40.359><c> another</c> leads I think actually into another leads I think actually into another question<00:35:41.000><c> we</c><00:35:41.119><c> have</c><00:35:41.320><c> about</c><00:35:41.599><c> some</c><00:35:41.720><c> of</c><00:35:41.960><c> our</c><00:35:42.960><c> uh</c>

35:43

question we have about some of our uh question we have about some of our uh the<00:35:43.240><c> methods</c><00:35:43.560><c> and</c><00:35:43.680><c> what</c><00:35:43.760><c> we're</c><00:35:43.920><c> controlling</c> the methods and what we're controlling the methods and what we're controlling for<00:35:45.440><c> uh</c><00:35:45.520><c> in</c><00:35:45.680><c> the</c><00:35:45.839><c> analyses</c><00:35:46.720><c> so</c><00:35:47.720><c> um</c><00:35:48.480><c> had</c><00:35:48.599><c> a</c>

35:48

for uh in the analyses so um had a for uh in the analyses so um had a person<00:35:48.839><c> who</c><00:35:48.920><c> was</c><00:35:49.160><c> wondering</c><00:35:50.160><c> what</c><00:35:51.079><c> um</c><00:35:52.079><c> as</c><00:35:52.319><c> we</c>

35:52

person who was wondering what um as we person who was wondering what um as we are<00:35:53.880><c> designing</c><00:35:54.359><c> the</c><00:35:54.520><c> survey</c><00:35:55.240><c> um</c><00:35:55.520><c> what's</c>

35:55

are designing the survey um what's are designing the survey um what's what's<00:35:56.240><c> being</c><00:35:56.440><c> controlled</c><00:35:56.800><c> for</c><00:35:57.000><c> are</c><00:35:57.079><c> we</c> what's being controlled for are we what's being controlled for are we normalizing<00:35:57.760><c> in</c><00:35:57.920><c> for</c><00:35:58.160><c> region</c><00:35:58.680><c> are</c><00:35:58.880><c> we</c>

35:59

normalizing in for region are we normalizing in for region are we controlling<00:36:00.520><c> for</c><00:36:01.520><c> the</c><00:36:02.280><c> uh</c><00:36:02.599><c> race</c><00:36:02.960><c> ethnicity</c><00:36:03.440><c> of</c>

36:03

controlling for the uh race ethnicity of controlling for the uh race ethnicity of the<00:36:03.680><c> respondent</c><00:36:04.119><c> to</c><00:36:04.240><c> be</c><00:36:04.400><c> n</c><00:36:04.720><c> representative</c><00:36:05.240><c> so</c> the respondent to be n representative so the respondent to be n representative so can<00:36:05.599><c> you</c><00:36:06.119><c> share</c><00:36:06.359><c> anything</c><00:36:06.640><c> about</c><00:36:07.640><c> uh</c><00:36:08.000><c> what</c>

36:08

can you share anything about uh what can you share anything about uh what those<00:36:09.800><c> um</c><00:36:10.119><c> what</c><00:36:10.280><c> those</c><00:36:10.440><c> controls</c><00:36:10.880><c> look</c><00:36:11.079><c> like</c>

36:11

those um what those controls look like those um what those controls look like they're<00:36:11.520><c> going</c><00:36:11.720><c> into</c><00:36:12.000><c> analyses</c><00:36:13.000><c> um</c><00:36:13.119><c> and</c><00:36:13.240><c> at</c>

36:13

they're going into analyses um and at they're going into analyses um and at least<00:36:13.880><c> I'll</c><00:36:14.040><c> pass</c><00:36:14.200><c> this</c><00:36:14.319><c> one</c><00:36:14.480><c> to</c><00:36:14.599><c> you</c><00:36:14.760><c> if</c> least I'll pass this one to you if least I'll pass this one to you if that's

36:16

that's that's okay<00:36:17.040><c> um</c><00:36:17.280><c> sure</c>

36:18

okay um sure okay um sure so<00:36:19.400><c> um</c><00:36:20.319><c> the</c><00:36:20.480><c> survey</c><00:36:20.880><c> is</c><00:36:21.079><c> designed</c><00:36:21.640><c> to</c><00:36:21.839><c> be</c>

36:22

so um the survey is designed to be so um the survey is designed to be nationally<00:36:22.800><c> representative</c><00:36:23.800><c> and</c><00:36:24.000><c> we</c><00:36:24.160><c> do</c><00:36:25.119><c> uh</c>

36:25

nationally representative and we do uh nationally representative and we do uh weight<00:36:25.680><c> it</c><00:36:26.079><c> if</c><00:36:26.240><c> you</c><00:36:26.960><c> look</c><00:36:27.119><c> at</c><00:36:27.240><c> the</c><00:36:27.319><c> method</c>

36:27

weight it if you look at the method weight it if you look at the method ology<00:36:28.200><c> section</c><00:36:28.480><c> of</c><00:36:28.599><c> the</c><00:36:28.760><c> report</c><00:36:29.040><c> we</c><00:36:29.200><c> list</c><00:36:29.359><c> the</c> ology section of the report we list the ology section of the report we list the variables<00:36:29.960><c> that</c><00:36:30.079><c> we</c><00:36:30.240><c> wait</c><00:36:30.480><c> on</c><00:36:30.960><c> but</c><00:36:31.480><c> it's</c>

36:31

variables that we wait on but it's variables that we wait on but it's waited<00:36:32.160><c> to</c><00:36:32.400><c> the</c><00:36:32.640><c> the</c><00:36:32.760><c> March</c><00:36:33.040><c> supplement</c><00:36:33.400><c> of</c> waited to the the March supplement of waited to the the March supplement of the<00:36:33.640><c> CPS</c><00:36:34.040><c> on</c><00:36:34.240><c> income</c><00:36:34.720><c> we</c><00:36:34.839><c> also</c><00:36:35.119><c> wait</c><00:36:35.560><c> by</c><00:36:36.440><c> race</c>

36:37

the CPS on income we also wait by race the CPS on income we also wait by race age<00:36:37.640><c> am</c><00:36:37.760><c> I</c><00:36:37.839><c> leaving</c><00:36:38.160><c> anything</c><00:36:38.480><c> out</c><00:36:39.040><c> um</c><00:36:39.440><c> so</c>

36:39

age am I leaving anything out um so age am I leaving anything out um so that's<00:36:39.800><c> sort</c><00:36:39.960><c> of</c><00:36:40.079><c> the</c><00:36:40.200><c> waiting</c><00:36:40.560><c> of</c><00:36:40.720><c> the</c><00:36:40.839><c> survey</c>

36:41

that's sort of the waiting of the survey that's sort of the waiting of the survey so<00:36:41.920><c> that</c><00:36:42.079><c> generally</c><00:36:42.720><c> our</c><00:36:43.240><c> sample</c><00:36:44.040><c> of</c><00:36:44.440><c> 11,000</c>

36:45

so that generally our sample of 11,000 so that generally our sample of 11,000 responses<00:36:46.000><c> that</c><00:36:46.160><c> we</c><00:36:46.319><c> get</c><00:36:46.640><c> is</c><00:36:47.240><c> um</c><00:36:47.400><c> to</c><00:36:47.520><c> be</c>

36:47

responses that we get is um to be responses that we get is um to be nationally<00:36:48.520><c> representative</c><00:36:49.520><c> um</c><00:36:49.640><c> for</c><00:36:49.800><c> the</c>

36:50

nationally representative um for the nationally representative um for the various<00:36:51.040><c> um</c><00:36:51.359><c> estimates</c><00:36:51.839><c> that</c><00:36:52.000><c> we</c><00:36:52.160><c> present</c>

36:52

various um estimates that we present various um estimates that we present here<00:36:53.040><c> today</c><00:36:54.040><c> um</c><00:36:54.680><c> sort</c><00:36:54.920><c> of</c><00:36:55.119><c> behind</c><00:36:55.520><c> the</c><00:36:55.720><c> scenes</c>

36:56

here today um sort of behind the scenes here today um sort of behind the scenes we<00:36:56.359><c> do</c><00:36:56.680><c> often</c><00:36:57.040><c> account</c><00:36:57.280><c> for</c><00:36:57.680><c> other</c><00:36:58.000><c> factors</c>

36:58

we do often account for other factors we do often account for other factors but<00:36:58.800><c> this</c><00:36:58.920><c> is</c><00:36:59.040><c> more</c><00:36:59.200><c> of</c><00:36:59.280><c> a</c><00:36:59.440><c> case-by</c><00:36:59.920><c> case</c><00:37:00.160><c> basis</c> but this is more of a case-by case basis but this is more of a case-by case basis sort<00:37:00.720><c> of</c><00:37:00.880><c> what</c><00:37:01.040><c> makes</c><00:37:01.280><c> sense</c><00:37:01.480><c> for</c><00:37:01.680><c> the</c>

37:01

sort of what makes sense for the sort of what makes sense for the question<00:37:02.160><c> that</c><00:37:02.280><c> we're</c><00:37:02.480><c> looking</c><00:37:02.800><c> at</c><00:37:03.400><c> so</c> question that we're looking at so question that we're looking at so there's<00:37:03.800><c> really</c><00:37:04.079><c> like</c><00:37:04.280><c> no</c><00:37:04.520><c> single</c><00:37:04.960><c> answer</c>

37:05

there's really like no single answer there's really like no single answer there<00:37:06.640><c> um</c><00:37:07.200><c> but</c><00:37:07.480><c> often</c><00:37:07.760><c> if</c><00:37:07.839><c> we're</c><00:37:08.000><c> looking</c><00:37:08.240><c> at</c><00:37:08.359><c> a</c>

37:08

there um but often if we're looking at a there um but often if we're looking at a housing<00:37:08.880><c> thing</c><00:37:09.119><c> we'll</c><00:37:09.319><c> split</c><00:37:09.599><c> it</c><00:37:09.760><c> by</c><00:37:09.920><c> renter</c>

37:10

housing thing we'll split it by renter housing thing we'll split it by renter homeowner<00:37:11.280><c> or</c><00:37:11.400><c> we'll</c><00:37:11.560><c> look</c><00:37:11.800><c> Urban</c><00:37:12.160><c> versus</c>

37:12

homeowner or we'll look Urban versus homeowner or we'll look Urban versus rural<00:37:13.800><c> um</c><00:37:14.400><c> and</c><00:37:14.680><c> I</c><00:37:14.760><c> mean</c><00:37:14.880><c> there's</c><00:37:15.040><c> just</c><00:37:15.200><c> so</c><00:37:15.319><c> much</c>

37:15

rural um and I mean there's just so much rural um and I mean there's just so much content<00:37:16.200><c> for</c><00:37:16.560><c> for</c><00:37:16.760><c> each</c><00:37:17.000><c> thing</c><00:37:17.280><c> we</c><00:37:17.480><c> can't</c>

37:17

content for for each thing we can't content for for each thing we can't necessarily<00:37:18.640><c> say</c><00:37:18.960><c> what</c><00:37:19.119><c> we've</c><00:37:19.359><c> controlled</c> necessarily say what we've controlled necessarily say what we've controlled for<00:37:19.960><c> or</c><00:37:20.119><c> looked</c><00:37:20.400><c> at</c><00:37:21.119><c> um</c><00:37:21.280><c> generally</c><00:37:21.720><c> what</c><00:37:21.839><c> we</c>

37:22

for or looked at um generally what we for or looked at um generally what we present<00:37:22.560><c> are</c><00:37:23.119><c> sort</c><00:37:23.319><c> of</c><00:37:23.520><c> raw</c><00:37:24.160><c> means</c><00:37:24.640><c> unless</c><00:37:25.040><c> we</c>

37:25

present are sort of raw means unless we present are sort of raw means unless we specifically<00:37:25.960><c> say</c><00:37:26.319><c> oh</c><00:37:26.520><c> this</c><00:37:26.599><c> is</c><00:37:26.720><c> for</c><00:37:26.880><c> a</c><00:37:27.000><c> renter</c>

37:27

specifically say oh this is for a renter specifically say oh this is for a renter or<00:37:27.720><c> this</c><00:37:27.839><c> is</c><00:37:27.960><c> for</c><00:37:28.400><c> a</c><00:37:28.560><c> black</c><00:37:28.880><c> household</c><00:37:29.359><c> or</c>

37:29

or this is for a black household or or this is for a black household or someone<00:37:30.319><c> with</c><00:37:30.440><c> a</c><00:37:30.560><c> bachelor's</c><00:37:31.000><c> degree</c><00:37:31.599><c> so</c><00:37:31.760><c> on</c> someone with a bachelor's degree so on someone with a bachelor's degree so on and<00:37:32.079><c> so</c><00:37:32.280><c> forth</c><00:37:32.880><c> um</c><00:37:33.880><c> um</c><00:37:34.000><c> but</c><00:37:34.119><c> we</c><00:37:34.240><c> do</c><00:37:34.400><c> look</c><00:37:34.520><c> at</c>

37:34

and so forth um um but we do look at and so forth um um but we do look at things<00:37:34.800><c> behind</c><00:37:35.040><c> the</c><00:37:35.160><c> scenes</c><00:37:35.400><c> so</c><00:37:35.560><c> if</c><00:37:35.640><c> you</c><00:37:35.720><c> have</c> things behind the scenes so if you have things behind the scenes so if you have specific<00:37:36.400><c> questions</c><00:37:37.240><c> um</c><00:37:37.960><c> we</c><00:37:38.160><c> can</c><00:37:38.359><c> hopefully</c>

37:38

specific questions um we can hopefully specific questions um we can hopefully answer answer answer those<00:37:40.839><c> thanks</c><00:37:41.560><c> and</c><00:37:41.720><c> another</c><00:37:42.160><c> methodology</c>

37:42

those thanks and another methodology those thanks and another methodology question<00:37:43.000><c> for</c><00:37:43.200><c> you</c><00:37:43.400><c> Alisia</c><00:37:44.400><c> when</c><00:37:44.560><c> we</c><00:37:44.680><c> say</c><00:37:45.040><c> that</c>

37:45

question for you Alisia when we say that question for you Alisia when we say that the<00:37:45.880><c> we</c><00:37:46.040><c> surveyed</c><00:37:46.880><c> uh</c><00:37:47.000><c> 11,000</c><00:37:47.720><c> people</c><00:37:48.160><c> is</c><00:37:48.280><c> the</c>

37:48

the we surveyed uh 11,000 people is the the we surveyed uh 11,000 people is the number<00:37:49.760><c> is</c><00:37:49.960><c> that</c><00:37:50.119><c> the</c><00:37:50.240><c> number</c><00:37:50.400><c> of</c><00:37:50.599><c> surveys</c><00:37:51.599><c> of</c>

37:51

number is that the number of surveys of number is that the number of surveys of surveys<00:37:52.280><c> distributed</c><00:37:52.800><c> or</c><00:37:52.960><c> the</c><00:37:53.079><c> number</c><00:37:53.319><c> of</c> surveys distributed or the number of surveys distributed or the number of responses<00:37:54.720><c> received</c><00:37:55.720><c> and</c><00:37:56.000><c> how</c><00:37:56.160><c> does</c><00:37:56.480><c> this</c>

37:56

responses received and how does this responses received and how does this number<00:37:57.560><c> represent</c><00:37:58.000><c> the</c><00:37:58.119><c> state</c><00:37:58.599><c> of</c><00:37:58.800><c> the</c>

37:58

number represent the state of the number represent the state of the average<00:37:59.280><c> American</c><00:37:59.720><c> given</c><00:38:00.599><c> uh</c><00:38:00.720><c> the</c><00:38:00.920><c> population</c>

38:01

average American given uh the population average American given uh the population size<00:38:02.920><c> yeah</c><00:38:03.160><c> thanks</c><00:38:03.440><c> so</c><00:38:03.680><c> the</c><00:38:04.280><c> 11,000</c><00:38:05.280><c> is</c><00:38:05.760><c> the</c>

38:06

size yeah thanks so the 11,000 is the size yeah thanks so the 11,000 is the number<00:38:07.000><c> of</c><00:38:07.720><c> responses</c><00:38:08.400><c> that</c><00:38:08.560><c> we</c><00:38:08.760><c> receive</c><00:38:09.599><c> um</c>

38:09

number of responses that we receive um number of responses that we receive um so<00:38:09.880><c> the</c><00:38:09.960><c> survey</c><00:38:10.920><c> uh</c><00:38:11.800><c> goes</c><00:38:12.040><c> out</c><00:38:12.280><c> to</c><00:38:12.640><c> to</c><00:38:12.800><c> more</c>

38:13

so the survey uh goes out to to more so the survey uh goes out to to more people<00:38:13.319><c> than</c><00:38:13.560><c> that</c><00:38:13.839><c> that's</c><00:38:14.240><c> the</c><00:38:14.920><c> the</c><00:38:15.040><c> number</c>

38:15

people than that that's the the number people than that that's the the number of<00:38:15.920><c> responses</c><00:38:16.920><c> um</c><00:38:17.079><c> and</c><00:38:17.200><c> as</c><00:38:17.319><c> I</c><00:38:17.400><c> said</c><00:38:17.599><c> before</c><00:38:17.839><c> the</c>

38:17

of responses um and as I said before the of responses um and as I said before the sample<00:38:18.280><c> is</c><00:38:18.400><c> designed</c><00:38:18.720><c> to</c><00:38:18.839><c> be</c><00:38:19.000><c> nationally</c>

38:19

sample is designed to be nationally sample is designed to be nationally representative<00:38:20.960><c> um</c><00:38:21.119><c> a</c><00:38:21.240><c> fun</c><00:38:21.599><c> fact</c><00:38:21.839><c> of</c>

38:22

representative um a fun fact of representative um a fun fact of Statistics<00:38:23.520><c> um</c><00:38:23.760><c> it</c><00:38:23.920><c> does</c><00:38:24.680><c> the</c><00:38:25.119><c> sample</c><00:38:25.599><c> size</c>

38:26

Statistics um it does the sample size Statistics um it does the sample size that<00:38:26.240><c> you</c><00:38:26.440><c> need</c><00:38:27.200><c> it</c><00:38:27.560><c> doesn't</c><00:38:27.800><c> depend</c><00:38:28.119><c> on</c><00:38:28.400><c> how</c>

38:28

that you need it doesn't depend on how that you need it doesn't depend on how large<00:38:29.079><c> the</c><00:38:29.240><c> sample</c><00:38:29.680><c> is</c><00:38:29.839><c> that</c><00:38:29.960><c> you're</c><00:38:30.119><c> sampling</c> large the sample is that you're sampling large the sample is that you're sampling from<00:38:31.160><c> um</c><00:38:31.280><c> so</c><00:38:31.400><c> it</c><00:38:31.520><c> may</c><00:38:31.640><c> be</c><00:38:31.760><c> a</c><00:38:31.839><c> little</c><00:38:31.960><c> bit</c>

38:32

from um so it may be a little bit from um so it may be a little bit counterintuitive<00:38:33.720><c> um</c><00:38:34.280><c> so</c><00:38:35.040><c> with</c><00:38:35.680><c> 11,000</c><00:38:36.680><c> we</c>

38:36

counterintuitive um so with 11,000 we counterintuitive um so with 11,000 we have<00:38:37.200><c> pretty</c><00:38:37.440><c> good</c><00:38:37.680><c> Precision</c><00:38:38.440><c> in</c><00:38:38.720><c> our</c>

38:38

have pretty good Precision in our have pretty good Precision in our ability<00:38:39.520><c> to</c><00:38:39.880><c> produce</c><00:38:40.240><c> estimates</c><00:38:40.760><c> for</c><00:38:41.040><c> the</c><00:38:41.319><c> the</c>

38:41

ability to produce estimates for the the ability to produce estimates for the the population<00:38:42.000><c> as</c><00:38:42.079><c> a</c><00:38:42.240><c> whole</c><00:38:42.440><c> for</c><00:38:42.760><c> the</c><00:38:43.079><c> the</c>

38:44

population as a whole for the the population as a whole for the the nation

38:47

nation nation great

38:49

great great so<00:38:50.400><c> this</c><00:38:50.480><c> one</c><00:38:50.599><c> is</c><00:38:50.760><c> actually</c><00:38:51.000><c> also</c><00:38:51.200><c> a</c><00:38:51.280><c> child</c>

38:51

so this one is actually also a child so this one is actually also a child care<00:38:51.920><c> question</c><00:38:52.359><c> so</c><00:38:53.000><c> uh</c><00:38:53.160><c> it</c><00:38:53.280><c> might</c><00:38:53.400><c> be</c><00:38:53.480><c> for</c><00:38:53.599><c> you</c>

38:53

care question so uh it might be for you care question so uh it might be for you Elisa<00:38:54.079><c> although</c><00:38:54.319><c> AA</c><00:38:54.680><c> might</c><00:38:54.800><c> want</c><00:38:54.880><c> to</c><00:38:55.000><c> weigh</c><00:38:55.160><c> in</c> Elisa although AA might want to weigh in Elisa although AA might want to weigh in too<00:38:56.119><c> on</c><00:38:57.040><c> um</c><00:38:57.839><c> whether</c><00:38:58.119><c> we</c><00:38:58.280><c> have</c><00:38:58.480><c> data</c><00:38:58.880><c> on</c>

38:59

too on um whether we have data on too on um whether we have data on households<00:39:00.280><c> caring</c><00:39:00.760><c> for</c><00:39:01.400><c> a</c><00:39:01.599><c> child</c><00:39:01.880><c> under</c><00:39:02.319><c> 18</c>

39:02

households caring for a child under 18 households caring for a child under 18 and<00:39:03.079><c> an</c><00:39:03.200><c> elderly</c><00:39:03.640><c> parent</c><00:39:04.480><c> um</c><00:39:04.880><c> do</c><00:39:05.040><c> we</c><00:39:05.200><c> have</c><00:39:05.880><c> that</c>

39:06

and an elderly parent um do we have that and an elderly parent um do we have that end<00:39:06.200><c> of</c><00:39:06.280><c> the</c><00:39:06.400><c> distribution</c><00:39:07.040><c> end</c><00:39:07.200><c> of</c><00:39:07.400><c> The</c><00:39:07.920><c> Care</c>

39:08

end of the distribution end of The Care end of the distribution end of The Care um<00:39:09.760><c> uh</c><00:39:09.920><c> care</c><00:39:10.160><c> scenario</c><00:39:10.720><c> as</c><00:39:11.240><c> well</c><00:39:12.240><c> yeah</c><00:39:12.440><c> so</c><00:39:12.720><c> that</c>

39:12

um uh care scenario as well yeah so that um uh care scenario as well yeah so that is<00:39:13.079><c> something</c><00:39:13.520><c> we</c><00:39:13.720><c> looked</c><00:39:14.079><c> at</c><00:39:14.839><c> um</c><00:39:15.319><c> I</c><00:39:15.400><c> don't</c>

39:15

is something we looked at um I don't is something we looked at um I don't think<00:39:15.760><c> we</c><00:39:16.160><c> put</c><00:39:16.319><c> it</c><00:39:16.480><c> into</c><00:39:16.720><c> the</c><00:39:16.960><c> report</c><00:39:17.560><c> so</c><00:39:17.800><c> I've</c>

39:17

think we put it into the report so I've think we put it into the report so I've seen<00:39:18.160><c> in</c><00:39:18.319><c> the</c><00:39:18.440><c> media</c><00:39:19.000><c> they</c><00:39:19.160><c> refer</c><00:39:19.560><c> to</c><00:39:20.160><c> those</c>

39:20

seen in the media they refer to those seen in the media they refer to those people<00:39:20.720><c> as</c><00:39:20.920><c> the</c><00:39:21.079><c> sandwich</c><00:39:22.040><c> Generation</c><00:39:23.040><c> Um</c>

39:23

people as the sandwich Generation Um people as the sandwich Generation Um which<00:39:23.560><c> I</c><00:39:23.720><c> happen</c><00:39:24.000><c> to</c><00:39:24.160><c> be</c><00:39:24.319><c> one</c><00:39:24.480><c> of</c><00:39:24.720><c> so</c><00:39:24.920><c> it's</c> which I happen to be one of so it's which I happen to be one of so it's something<00:39:25.319><c> I</c><00:39:25.400><c> was</c><00:39:25.640><c> interested</c><00:39:26.040><c> in</c><00:39:26.880><c> um</c><00:39:27.200><c> I</c><00:39:27.359><c> I</c>

39:27

something I was interested in um I I something I was interested in um I I mean<00:39:27.560><c> it</c><00:39:27.680><c> is</c><00:39:27.880><c> small</c><00:39:28.319><c> but</c><00:39:28.560><c> it's</c><00:39:28.760><c> something</c><00:39:29.400><c> that</c>

39:29

mean it is small but it's something that mean it is small but it's something that we<00:39:30.920><c> um</c><00:39:31.200><c> were</c><00:39:31.440><c> at</c><00:39:31.520><c> least</c><00:39:31.720><c> able</c><00:39:31.920><c> to</c><00:39:32.079><c> provide</c><00:39:32.319><c> an</c>

39:32

we um were at least able to provide an we um were at least able to provide an estimate<00:39:32.800><c> for</c><00:39:32.960><c> in</c><00:39:33.079><c> the</c><00:39:33.160><c> shed</c><00:39:33.880><c> with</c><00:39:34.079><c> our</c><00:39:34.520><c> our</c>

39:34

estimate for in the shed with our our estimate for in the shed with our our caregiving<00:39:35.160><c> and</c><00:39:35.280><c> our</c><00:39:35.480><c> child</c><00:39:35.839><c> care</c><00:39:36.520><c> question</c>

39:37

caregiving and our child care question caregiving and our child care question um<00:39:38.520><c> but</c><00:39:39.040><c> it</c><00:39:39.319><c> I</c><00:39:39.800><c> from</c><00:39:40.000><c> what</c><00:39:40.119><c> I</c><00:39:40.240><c> recall</c><00:39:40.640><c> it</c><00:39:40.760><c> was</c>

39:40

um but it I from what I recall it was um but it I from what I recall it was small<00:39:41.520><c> so</c><00:39:41.839><c> given</c><00:39:42.079><c> our</c><00:39:42.280><c> sample</c><00:39:42.640><c> size</c> small so given our sample size small so given our sample size limitations<00:39:43.560><c> it's</c><00:39:44.079><c> pretty</c><00:39:44.359><c> hard</c><00:39:44.520><c> to</c><00:39:44.680><c> dig</c><00:39:44.920><c> in</c>

39:45

limitations it's pretty hard to dig in limitations it's pretty hard to dig in further<00:39:45.760><c> from</c><00:39:46.079><c> there</c><00:39:46.760><c> um</c><00:39:47.200><c> I</c><00:39:47.280><c> don't</c><00:39:47.400><c> know</c><00:39:47.599><c> Anna</c>

39:47

further from there um I don't know Anna further from there um I don't know Anna if<00:39:47.960><c> you</c><00:39:48.240><c> happen</c><00:39:48.440><c> to</c><00:39:49.000><c> remember</c><00:39:50.000><c> uh</c><00:39:50.319><c> any</c><00:39:50.520><c> more</c>

39:50

if you happen to remember uh any more if you happen to remember uh any more details<00:39:51.160><c> on</c><00:39:51.280><c> that</c><00:39:52.040><c> we</c><00:39:52.240><c> looked</c><00:39:52.920><c> um</c><00:39:53.200><c> at</c><00:39:53.560><c> those</c>

39:53

details on that we looked um at those details on that we looked um at those who<00:39:53.920><c> were</c><00:39:54.160><c> both</c><00:39:54.400><c> paying</c><00:39:54.640><c> for</c><00:39:54.880><c> childcare</c><00:39:55.640><c> under</c>

39:55

who were both paying for childcare under who were both paying for childcare under 13<00:39:56.720><c> and</c><00:39:56.960><c> caring</c><00:39:57.359><c> for</c><00:39:57.520><c> an</c><00:39:57.599><c> elderly</c><00:39:58.160><c> parent</c><00:39:59.160><c> um</c>

39:59

13 and caring for an elderly parent um 13 and caring for an elderly parent um what's<00:39:59.599><c> going</c><00:39:59.760><c> to</c><00:39:59.880><c> be</c><00:40:00.040><c> even</c><00:40:00.280><c> bigger</c><00:40:00.720><c> is</c><00:40:00.880><c> this</c>

40:01

what's going to be even bigger is this what's going to be even bigger is this exact<00:40:02.079><c> situation</c><00:40:02.920><c> if</c><00:40:03.359><c> um</c><00:40:04.359><c> our</c><00:40:04.640><c> caregiving</c>

40:05

exact situation if um our caregiving exact situation if um our caregiving questions<00:40:05.599><c> are</c><00:40:05.839><c> just</c><00:40:06.079><c> asked</c><00:40:06.400><c> to</c><00:40:06.640><c> parents</c><00:40:07.200><c> with</c>

40:07

questions are just asked to parents with questions are just asked to parents with children<00:40:08.160><c> um</c><00:40:08.280><c> whose</c><00:40:08.520><c> children</c><00:40:08.839><c> youngest</c> children um whose children youngest children um whose children youngest child<00:40:09.359><c> is</c><00:40:09.480><c> under</c><00:40:09.720><c> age</c><00:40:10.200><c> 13</c><00:40:11.200><c> um</c><00:40:11.680><c> a</c><00:40:11.839><c> larger</c><00:40:12.280><c> sample</c>

40:12

child is under age 13 um a larger sample child is under age 13 um a larger sample is<00:40:12.920><c> including</c><00:40:13.680><c> all</c><00:40:14.079><c> households</c><00:40:14.599><c> who</c><00:40:14.880><c> are</c>

40:15

is including all households who are is including all households who are living<00:40:15.359><c> with</c><00:40:15.520><c> their</c><00:40:15.680><c> own</c><00:40:15.920><c> child</c><00:40:16.240><c> under</c><00:40:16.520><c> 18</c><00:40:16.960><c> so</c>

40:17

living with their own child under 18 so living with their own child under 18 so that<00:40:17.319><c> group</c><00:40:17.520><c> is</c><00:40:17.599><c> going</c><00:40:17.720><c> to</c><00:40:17.839><c> be</c><00:40:18.000><c> a</c><00:40:18.079><c> little</c> that group is going to be a little that group is going to be a little bigger<00:40:19.520><c> um</c><00:40:20.400><c> but</c><00:40:20.560><c> we</c><00:40:20.680><c> didn't</c><00:40:20.960><c> include</c><00:40:21.359><c> any</c>

40:21

bigger um but we didn't include any bigger um but we didn't include any findings<00:40:22.319><c> um</c><00:40:23.280><c> in</c><00:40:23.760><c> for</c><00:40:23.960><c> either</c><00:40:24.160><c> of</c><00:40:24.400><c> these</c><00:40:24.720><c> cases</c>

40:25

findings um in for either of these cases findings um in for either of these cases if<00:40:25.160><c> you're</c><00:40:25.319><c> interested</c><00:40:25.880><c> but</c><00:40:26.200><c> it's</c><00:40:26.400><c> another</c> if you're interested but it's another if you're interested but it's another reason<00:40:26.880><c> to</c><00:40:27.319><c> use</c><00:40:27.599><c> the</c><00:40:27.760><c> data</c><00:40:28.240><c> um</c><00:40:28.400><c> it's</c><00:40:28.560><c> very</c><00:40:28.800><c> easy</c>

40:29

reason to use the data um it's very easy reason to use the data um it's very easy to<00:40:30.040><c> um</c><00:40:30.359><c> look</c><00:40:30.560><c> at</c><00:40:31.000><c> either</c><00:40:31.240><c> one</c><00:40:31.359><c> of</c><00:40:31.560><c> these</c>

40:37

groups so Ellen this question is I think groups so Ellen this question is I think going<00:40:37.680><c> to</c><00:40:37.760><c> be</c><00:40:38.040><c> best</c><00:40:38.160><c> directed</c><00:40:38.480><c> at</c><00:40:38.680><c> you</c><00:40:39.119><c> which</c> going to be best directed at you which going to be best directed at you which is<00:40:39.480><c> we</c><00:40:39.640><c> had</c><00:40:39.760><c> somebody</c><00:40:40.079><c> that</c><00:40:40.200><c> wanted</c><00:40:40.400><c> to</c><00:40:40.520><c> know</c>

40:40

is we had somebody that wanted to know is we had somebody that wanted to know about<00:40:41.200><c> how</c><00:40:41.480><c> older</c><00:40:41.800><c> adults</c><00:40:42.079><c> are</c><00:40:42.160><c> Fairing</c><00:40:42.880><c> and</c>

40:43

about how older adults are Fairing and about how older adults are Fairing and what<00:40:43.200><c> the</c><00:40:43.319><c> survey</c><00:40:43.599><c> can</c><00:40:43.720><c> say</c><00:40:43.960><c> about</c><00:40:44.280><c> how</c> what the survey can say about how what the survey can say about how elderly<00:40:44.880><c> adults</c><00:40:45.119><c> are</c><00:40:45.240><c> doing</c><00:40:45.440><c> compared</c><00:40:45.760><c> to</c>

40:45

elderly adults are doing compared to elderly adults are doing compared to younger younger younger adults<00:40:47.760><c> um</c><00:40:48.400><c> older</c><00:40:48.800><c> adults</c><00:40:49.319><c> um</c><00:40:49.440><c> we</c><00:40:49.599><c> talk</c><00:40:49.800><c> a</c>

40:49

adults um older adults um we talk a adults um older adults um we talk a little<00:40:50.040><c> bit</c><00:40:50.280><c> about</c><00:40:51.000><c> um</c><00:40:52.000><c> retirees</c><00:40:53.000><c> in</c><00:40:53.280><c> the</c><00:40:53.680><c> last</c>

40:53

little bit about um retirees in the last little bit about um retirees in the last chapter<00:40:54.200><c> of</c><00:40:54.359><c> the</c><00:40:54.599><c> report</c><00:40:55.280><c> um</c><00:40:56.200><c> and</c><00:40:56.720><c> we</c><00:40:56.920><c> actually</c>

40:57

chapter of the report um and we actually chapter of the report um and we actually find<00:40:57.760><c> that</c><00:40:58.400><c> um</c><00:40:58.640><c> they're</c><00:40:58.839><c> doing</c><00:40:59.079><c> a</c><00:40:59.160><c> little</c><00:40:59.319><c> bit</c>

40:59

find that um they're doing a little bit find that um they're doing a little bit better<00:40:59.800><c> in</c><00:40:59.920><c> terms</c><00:41:00.160><c> of</c><00:41:00.319><c> their</c><00:41:00.480><c> overall</c> better in terms of their overall better in terms of their overall well-being<00:41:01.800><c> um</c><00:41:02.119><c> than</c><00:41:02.880><c> than</c><00:41:03.119><c> adults</c><00:41:03.880><c> overall</c>

41:04

well-being um than than adults overall well-being um than than adults overall so<00:41:04.839><c> the</c><00:41:05.000><c> number</c><00:41:05.400><c> I</c><00:41:05.599><c> gave</c><00:41:06.079><c> in</c><00:41:06.920><c> I</c><00:41:07.000><c> think</c><00:41:07.200><c> the</c>

41:07

so the number I gave in I think the so the number I gave in I think the opening<00:41:07.640><c> of</c><00:41:07.720><c> the</c><00:41:07.880><c> presentation</c><00:41:08.440><c> was</c><00:41:08.640><c> 72%</c><00:41:09.480><c> of</c>

41:09

opening of the presentation was 72% of opening of the presentation was 72% of us<00:41:09.960><c> adults</c><00:41:10.280><c> said</c><00:41:10.480><c> that</c><00:41:10.640><c> they</c><00:41:10.760><c> were</c><00:41:11.680><c> um</c><00:41:12.119><c> doing</c>

41:12

us adults said that they were um doing us adults said that they were um doing okay<00:41:12.880><c> or</c><00:41:13.040><c> living</c><00:41:13.400><c> comfortably</c><00:41:13.960><c> and</c><00:41:14.079><c> I</c><00:41:14.200><c> think</c> okay or living comfortably and I think okay or living comfortably and I think that<00:41:14.520><c> number</c><00:41:14.800><c> for</c><00:41:15.520><c> for</c><00:41:15.680><c> the</c><00:41:15.800><c> retiree</c>

41:16

that number for for the retiree that number for for the retiree population<00:41:16.960><c> was</c><00:41:17.160><c> around</c><00:41:17.440><c> 80%</c><00:41:18.200><c> so</c><00:41:18.400><c> they're</c>

41:18

population was around 80% so they're population was around 80% so they're doing<00:41:18.760><c> a</c><00:41:18.839><c> little</c><00:41:19.000><c> bit</c><00:41:19.680><c> better</c>

41:21

doing a little bit better doing a little bit better thanks<00:41:22.280><c> so</c><00:41:22.400><c> there's</c><00:41:22.560><c> a</c><00:41:22.640><c> couple</c><00:41:22.880><c> questions</c> thanks so there's a couple questions thanks so there's a couple questions that<00:41:23.319><c> people</c><00:41:23.520><c> have</c><00:41:23.800><c> had</c><00:41:24.280><c> about</c><00:41:25.240><c> um</c><00:41:26.160><c> other</c>

41:26

that people have had about um other that people have had about um other topics<00:41:27.359><c> covered</c><00:41:27.680><c> in</c><00:41:27.839><c> the</c><00:41:28.000><c> report</c><00:41:28.920><c> um</c>

41:29

topics covered in the report um topics covered in the report um including<00:41:30.480><c> whether</c><00:41:30.720><c> the</c><00:41:30.839><c> report</c><00:41:31.119><c> covers</c>

41:31

including whether the report covers including whether the report covers anything<00:41:32.040><c> on</c><00:41:32.920><c> insurance</c><00:41:33.920><c> um</c><00:41:34.359><c> except</c><00:41:34.640><c> for</c>

41:34

anything on insurance um except for anything on insurance um except for other<00:41:34.960><c> than</c><00:41:35.079><c> homeor</c><00:41:35.560><c> so</c><00:41:35.720><c> other</c><00:41:35.880><c> types</c><00:41:36.079><c> of</c> other than homeor so other types of other than homeor so other types of insurance<00:41:37.640><c> um</c><00:41:37.800><c> and</c><00:41:37.960><c> whether</c><00:41:38.160><c> it</c><00:41:38.359><c> care</c><00:41:38.640><c> covers</c>

41:39

insurance um and whether it care covers insurance um and whether it care covers Child<00:41:39.720><c> Care</c><00:41:39.839><c> Subs</c><00:41:40.240><c> so</c><00:41:40.319><c> a</c><00:41:40.359><c> couple</c><00:41:40.599><c> different</c> Child Care Subs so a couple different Child Care Subs so a couple different areas<00:41:41.040><c> people</c><00:41:41.200><c> are</c><00:41:41.280><c> wanting</c><00:41:41.480><c> to</c><00:41:41.640><c> know</c><00:41:42.000><c> like</c>

41:42

areas people are wanting to know like areas people are wanting to know like are<00:41:42.240><c> we</c><00:41:42.359><c> covering</c><00:41:42.760><c> these</c><00:41:43.000><c> do</c><00:41:43.119><c> we</c><00:41:43.200><c> cover</c><00:41:43.440><c> these</c> are we covering these do we cover these are we covering these do we cover these other<00:41:43.880><c> topics</c><00:41:44.880><c> um</c><00:41:45.520><c> and</c><00:41:46.000><c> want</c><00:41:46.200><c> to</c><00:41:46.319><c> take</c><00:41:46.480><c> this</c>

41:46

other topics um and want to take this other topics um and want to take this actually<00:41:46.920><c> to</c><00:41:47.280><c> ask</c><00:41:47.440><c> a</c><00:41:47.560><c> slightly</c><00:41:47.880><c> broader</c>

41:48

actually to ask a slightly broader actually to ask a slightly broader question<00:41:49.760><c> uh</c><00:41:50.319><c> uh</c>

41:51

question uh uh question uh uh to<00:41:52.359><c> um</c><00:41:52.839><c> Ellen</c><00:41:53.079><c> or</c><00:41:53.280><c> lisia</c><00:41:53.760><c> about</c><00:41:54.280><c> the</c><00:41:54.560><c> process</c>

41:54

to um Ellen or lisia about the process to um Ellen or lisia about the process that<00:41:55.119><c> goes</c><00:41:55.400><c> into</c><00:41:56.359><c> choosing</c><00:41:56.800><c> what</c><00:41:56.920><c> goes</c><00:41:57.079><c> into</c>

41:57

that goes into choosing what goes into that goes into choosing what goes into into<00:41:57.400><c> these</c><00:41:57.560><c> questions</c><00:41:57.880><c> so</c><00:41:58.000><c> you</c><00:41:58.200><c> talk</c><00:41:58.319><c> a</c> into these questions so you talk a into these questions so you talk a little<00:41:58.520><c> bit</c><00:41:58.720><c> about</c><00:41:59.560><c> um</c><00:41:59.800><c> what</c><00:42:00.200><c> the</c><00:42:01.400><c> um</c><00:42:02.400><c> the</c><00:42:02.599><c> way</c>

42:02

little bit about um what the um the way little bit about um what the um the way that<00:42:03.839><c> you</c><00:42:04.079><c> all</c><00:42:04.720><c> are</c><00:42:04.920><c> thinking</c><00:42:05.319><c> about</c><00:42:05.839><c> what</c>

42:06

that you all are thinking about what that you all are thinking about what questions<00:42:06.359><c> to</c><00:42:06.520><c> include</c><00:42:06.800><c> each</c>

42:12

year um I can take a stab at the the year um I can take a stab at the the what<00:42:12.880><c> questions</c><00:42:13.560><c> um</c><00:42:13.720><c> we</c><00:42:13.880><c> include</c><00:42:14.720><c> um</c><00:42:15.400><c> so</c><00:42:15.760><c> each</c>

42:15

what questions um we include um so each what questions um we include um so each year<00:42:16.440><c> you</c><00:42:16.520><c> know</c><00:42:17.359><c> given</c><00:42:17.599><c> that</c><00:42:17.720><c> we've</c><00:42:17.880><c> been</c><00:42:18.400><c> um</c>

42:18

year you know given that we've been um year you know given that we've been um surveying<00:42:19.000><c> for</c><00:42:19.200><c> 13</c><00:42:19.720><c> year</c><00:42:19.920><c> or</c><00:42:20.240><c> 11</c><00:42:20.640><c> years</c><00:42:21.319><c> um</c><00:42:22.319><c> not</c>

42:22

surveying for 13 year or 11 years um not surveying for 13 year or 11 years um not um<00:42:22.920><c> say</c><00:42:23.559><c> 2013</c><00:42:24.559><c> um</c><00:42:25.119><c> we</c><00:42:25.280><c> have</c><00:42:25.440><c> a</c><00:42:25.599><c> body</c><00:42:25.920><c> of</c>

42:26

um say 2013 um we have a body of um say 2013 um we have a body of questions<00:42:26.839><c> um</c><00:42:27.200><c> so</c><00:42:27.559><c> we</c><00:42:27.720><c> do</c><00:42:27.960><c> want</c><00:42:28.119><c> to</c><00:42:28.280><c> keep</c><00:42:28.480><c> some</c>

42:28

questions um so we do want to keep some questions um so we do want to keep some continuity<00:42:29.480><c> with</c><00:42:29.599><c> a</c><00:42:29.720><c> lot</c><00:42:29.880><c> of</c><00:42:30.000><c> the</c><00:42:30.079><c> material</c><00:42:30.520><c> we</c> continuity with a lot of the material we continuity with a lot of the material we cover<00:42:31.079><c> so</c><00:42:31.280><c> we</c><00:42:31.359><c> can</c><00:42:32.000><c> cover</c><00:42:32.319><c> how</c><00:42:32.520><c> things</c><00:42:32.680><c> are</c>

42:32

cover so we can cover how things are cover so we can cover how things are changing<00:42:33.319><c> from</c><00:42:33.480><c> year</c><00:42:33.680><c> to</c><00:42:33.880><c> year</c><00:42:34.079><c> so</c><00:42:34.280><c> that</c><00:42:34.400><c> takes</c> changing from year to year so that takes changing from year to year so that takes up<00:42:34.880><c> the</c><00:42:35.200><c> bulk</c><00:42:35.440><c> of</c><00:42:35.559><c> our</c><00:42:35.760><c> time</c><00:42:36.640><c> um</c><00:42:37.559><c> but</c><00:42:37.720><c> then</c>

42:37

up the bulk of our time um but then up the bulk of our time um but then there's<00:42:38.079><c> some</c><00:42:38.359><c> another</c><00:42:38.640><c> group</c><00:42:38.839><c> of</c><00:42:39.040><c> questions</c> there's some another group of questions there's some another group of questions that<00:42:39.720><c> we</c><00:42:40.480><c> sometimes</c><00:42:41.480><c> um</c><00:42:42.000><c> we</c><00:42:42.119><c> feel</c><00:42:42.280><c> like</c><00:42:42.440><c> we</c>

42:42

that we sometimes um we feel like we that we sometimes um we feel like we don't<00:42:42.680><c> need</c><00:42:42.839><c> to</c><00:42:43.240><c> cover</c><00:42:43.559><c> every</c><00:42:43.800><c> year</c><00:42:44.240><c> and</c><00:42:44.599><c> um</c>

42:44

don't need to cover every year and um don't need to cover every year and um but<00:42:44.800><c> we</c><00:42:44.920><c> may</c><00:42:45.359><c> bring</c><00:42:45.640><c> back</c><00:42:45.800><c> onto</c><00:42:46.079><c> the</c><00:42:46.200><c> survey</c> but we may bring back onto the survey but we may bring back onto the survey and<00:42:46.880><c> questions</c><00:42:47.200><c> about</c><00:42:47.400><c> the</c><00:42:47.520><c> gig</c><00:42:47.839><c> economy</c><00:42:48.520><c> is</c>

42:48

and questions about the gig economy is and questions about the gig economy is an<00:42:48.920><c> example</c><00:42:49.319><c> of</c><00:42:49.480><c> that</c><00:42:49.680><c> that</c><00:42:49.800><c> we</c><00:42:49.960><c> didn't</c> an example of that that we didn't an example of that that we didn't include<00:42:50.640><c> this</c><00:42:50.760><c> year</c><00:42:50.920><c> but</c><00:42:51.079><c> we</c><00:42:51.280><c> expect</c><00:42:51.520><c> to</c><00:42:51.640><c> bring</c>

42:51

include this year but we expect to bring include this year but we expect to bring those<00:42:52.160><c> back</c><00:42:52.359><c> on</c><00:42:53.359><c> um</c><00:42:53.800><c> and</c><00:42:53.920><c> then</c><00:42:54.079><c> there</c><00:42:54.160><c> are</c>

42:54

those back on um and then there are those back on um and then there are usually<00:42:54.800><c> issues</c><00:42:55.119><c> that</c><00:42:55.240><c> are</c><00:42:55.440><c> emerging</c><00:42:56.280><c> um</c>

42:57

usually issues that are emerging um usually issues that are emerging um things<00:42:57.960><c> like</c><00:42:58.480><c> um</c><00:42:59.079><c> inflation</c><00:42:59.880><c> um</c><00:43:00.079><c> obviously</c>

43:00

things like um inflation um obviously things like um inflation um obviously for<00:43:00.640><c> the</c><00:43:00.800><c> past</c><00:43:01.000><c> couple</c><00:43:01.200><c> of</c><00:43:01.319><c> years</c><00:43:01.599><c> we</c><00:43:01.760><c> added</c> for the past couple of years we added for the past couple of years we added new<00:43:02.280><c> questions</c><00:43:02.640><c> on</c><00:43:02.920><c> that</c><00:43:03.480><c> trying</c><00:43:03.760><c> to</c><00:43:03.880><c> be</c>

43:04

new questions on that trying to be new questions on that trying to be responsive<00:43:04.599><c> and</c><00:43:04.760><c> to</c><00:43:05.240><c> understand</c><00:43:05.440><c> more</c><00:43:05.640><c> about</c> responsive and to understand more about responsive and to understand more about those<00:43:06.240><c> conditions</c><00:43:06.599><c> new</c><00:43:06.880><c> products</c><00:43:07.319><c> we</c><00:43:07.480><c> added</c>

43:08

those conditions new products we added those conditions new products we added um<00:43:08.480><c> questions</c><00:43:08.800><c> a</c><00:43:08.920><c> few</c><00:43:09.040><c> years</c><00:43:09.240><c> ago</c><00:43:09.440><c> about</c><00:43:09.599><c> buy</c> um questions a few years ago about buy um questions a few years ago about buy now<00:43:10.000><c> pay</c><00:43:10.200><c> later</c><00:43:11.200><c> um</c><00:43:11.319><c> to</c><00:43:11.440><c> try</c><00:43:11.599><c> to</c><00:43:12.000><c> understand</c>

43:12

now pay later um to try to understand now pay later um to try to understand more<00:43:12.359><c> about</c><00:43:12.640><c> that</c><00:43:13.280><c> and</c><00:43:13.520><c> U</c><00:43:13.640><c> and</c><00:43:13.760><c> the</c><00:43:13.839><c> homeowners</c>

43:14

more about that and U and the homeowners more about that and U and the homeowners insurance<00:43:14.760><c> question</c><00:43:15.200><c> so</c><00:43:16.040><c> um</c><00:43:16.480><c> often</c><00:43:16.839><c> those</c><00:43:17.040><c> new</c>

43:17

insurance question so um often those new insurance question so um often those new questions<00:43:17.640><c> are</c><00:43:17.880><c> suggested</c><00:43:18.319><c> to</c><00:43:18.480><c> us</c><00:43:18.640><c> either</c><00:43:18.880><c> by</c> questions are suggested to us either by questions are suggested to us either by members<00:43:19.280><c> of</c><00:43:19.440><c> our</c><00:43:19.640><c> team</c><00:43:20.079><c> or</c><00:43:20.359><c> other</c><00:43:20.680><c> colleagues</c>

43:21

members of our team or other colleagues members of our team or other colleagues um<00:43:21.640><c> sometimes</c><00:43:21.839><c> we</c><00:43:21.960><c> get</c><00:43:22.119><c> them</c><00:43:22.280><c> from</c><00:43:22.599><c> comments</c> um sometimes we get them from comments um sometimes we get them from comments and<00:43:23.160><c> presentations</c><00:43:23.720><c> like</c><00:43:23.960><c> this</c><00:43:24.240><c> you</c><00:43:24.359><c> know</c>

43:24

and presentations like this you know and presentations like this you know that<00:43:25.040><c> you</c><00:43:25.160><c> really</c><00:43:25.319><c> ought</c><00:43:25.480><c> to</c><00:43:25.640><c> be</c><00:43:25.760><c> looking</c><00:43:26.000><c> into</c> that you really ought to be looking into that you really ought to be looking into this<00:43:26.480><c> so</c><00:43:26.800><c> we</c><00:43:27.160><c> take</c><00:43:27.280><c> all</c><00:43:27.440><c> that</c><00:43:27.559><c> into</c><00:43:27.880><c> account</c><00:43:28.240><c> as</c>

43:28

this so we take all that into account as this so we take all that into account as we<00:43:28.760><c> but</c><00:43:28.880><c> we</c><00:43:28.960><c> have</c><00:43:29.079><c> a</c><00:43:29.200><c> limited</c><00:43:29.559><c> amount</c><00:43:29.760><c> of</c><00:43:29.960><c> space</c> we but we have a limited amount of space we but we have a limited amount of space each<00:43:30.440><c> year</c><00:43:30.640><c> to</c><00:43:31.240><c> try</c><00:43:31.400><c> to</c><00:43:31.559><c> tack</c><00:43:31.800><c> on</c><00:43:31.960><c> new</c>

43:39

questions thanks and um I I'll dig a questions thanks and um I I'll dig a little<00:43:39.400><c> bit</c><00:43:39.559><c> into</c><00:43:39.839><c> the</c><00:43:40.079><c> specifics</c><00:43:40.559><c> of</c><00:43:40.839><c> the</c><00:43:41.359><c> as</c>

43:41

little bit into the specifics of the as little bit into the specifics of the as I<00:43:41.520><c> was</c><00:43:41.640><c> lumping</c><00:43:42.000><c> those</c><00:43:42.160><c> questions</c><00:43:42.720><c> together</c>

43:43

I was lumping those questions together I was lumping those questions together um<00:43:44.160><c> so</c><00:43:44.440><c> Anna</c><00:43:44.760><c> does</c><00:43:45.079><c> the</c><00:43:46.000><c> report</c><00:43:46.520><c> do</c><00:43:46.640><c> we</c><00:43:46.720><c> have</c>

43:46

um so Anna does the report do we have um so Anna does the report do we have anything<00:43:47.040><c> on</c><00:43:47.319><c> insurance</c><00:43:47.720><c> other</c><00:43:47.920><c> than</c>

43:55

homeowners not in the 2023 report we do homeowners not in the 2023 report we do not<00:43:56.640><c> uh</c> not uh not uh we<00:43:57.800><c> have</c><00:43:58.280><c> spoken</c><00:43:58.720><c> in</c><00:43:58.880><c> the</c><00:43:59.440><c> past</c><00:43:59.960><c> about</c>

44:02

we have spoken in the past about we have spoken in the past about um<00:44:03.640><c> uh</c><00:44:04.559><c> auto</c><00:44:04.920><c> insurance</c><00:44:05.800><c> um</c><00:44:06.119><c> as</c><00:44:06.359><c> made</c><00:44:06.559><c> the</c>

44:06

um uh auto insurance um as made the um uh auto insurance um as made the report<00:44:07.200><c> and</c><00:44:07.359><c> I</c><00:44:07.559><c> guess</c><00:44:08.559><c> sorry</c><00:44:09.319><c> um</c><00:44:09.640><c> we</c><00:44:09.800><c> do</c><00:44:10.079><c> ask</c><00:44:10.319><c> if</c>

44:10

report and I guess sorry um we do ask if report and I guess sorry um we do ask if you<00:44:10.839><c> have</c><00:44:12.319><c> um</c><00:44:13.319><c> health</c><00:44:13.839><c> insurance</c>

44:20

um but that and that has been on the um but that and that has been on the report<00:44:20.920><c> for</c><00:44:21.240><c> I</c><00:44:21.319><c> would</c><00:44:21.520><c> need</c><00:44:21.640><c> to</c><00:44:21.800><c> check</c><00:44:22.079><c> the</c><00:44:22.240><c> few</c> report for I would need to check the few report for I would need to check the few years<00:44:22.680><c> but</c><00:44:23.079><c> um</c><00:44:23.520><c> the</c><00:44:24.160><c> actual</c><00:44:24.400><c> number</c><00:44:24.599><c> of</c><00:44:24.720><c> years</c>

44:24

years but um the actual number of years years but um the actual number of years but<00:44:25.040><c> that's</c><00:44:25.160><c> not</c><00:44:25.280><c> a</c><00:44:25.440><c> new</c><00:44:25.680><c> question</c><00:44:25.960><c> we</c> but that's not a new question we but that's not a new question we normally<00:44:26.400><c> ask</c><00:44:26.559><c> if</c><00:44:26.640><c> you</c><00:44:26.760><c> have</c><00:44:26.839><c> help</c><00:44:27.359><c> Insurance</c>

44:28

normally ask if you have help Insurance normally ask if you have help Insurance um<00:44:29.000><c> but</c><00:44:29.200><c> that</c><00:44:29.319><c> is</c><00:44:29.520><c> pretty</c><00:44:29.720><c> much</c><00:44:29.960><c> it</c><00:44:30.200><c> for</c><00:44:30.520><c> the</c>

44:30

um but that is pretty much it for the um but that is pretty much it for the insurance

44:32

insurance insurance questions<00:44:33.760><c> and</c><00:44:33.960><c> elisia</c><00:44:34.359><c> do</c><00:44:34.440><c> you</c><00:44:34.520><c> want</c><00:44:34.599><c> to</c> questions and elisia do you want to questions and elisia do you want to touch<00:44:34.960><c> on</c><00:44:35.200><c> childcare</c>

44:37

touch on childcare touch on childcare subsidies<00:44:38.240><c> um</c><00:44:39.200><c> yeah</c><00:44:39.640><c> that</c><00:44:39.800><c> so</c><00:44:40.040><c> that's</c><00:44:40.200><c> not</c>

44:40

subsidies um yeah that so that's not subsidies um yeah that so that's not something<00:44:40.960><c> that</c><00:44:41.640><c> that</c><00:44:41.800><c> we</c><00:44:42.000><c> ask</c><00:44:42.319><c> about</c>

44:47

uh uh yeah<00:44:48.720><c> um</c><00:44:49.240><c> but</c><00:44:49.480><c> we</c><00:44:49.720><c> we</c><00:44:49.839><c> are</c><00:44:50.280><c> uh</c><00:44:50.400><c> in</c><00:44:50.520><c> the</c><00:44:50.720><c> process</c>

44:51

yeah um but we we are uh in the process yeah um but we we are uh in the process at<00:44:51.359><c> this</c><00:44:51.480><c> point</c><00:44:51.599><c> of</c><00:44:51.760><c> thinking</c><00:44:51.960><c> about</c><00:44:52.160><c> next</c> at this point of thinking about next at this point of thinking about next year's<00:44:52.559><c> survey</c><00:44:52.880><c> as</c><00:44:53.040><c> well</c><00:44:53.480><c> so</c><00:44:54.000><c> if</c><00:44:54.160><c> there's</c>

44:54

year's survey as well so if there's year's survey as well so if there's areas<00:44:55.079><c> like</c><00:44:55.280><c> that</c><00:44:55.440><c> that</c><00:44:55.559><c> you're</c><00:44:56.200><c> uh</c><00:44:56.319><c> you</c><00:44:56.440><c> all</c> areas like that that you're uh you all areas like that that you're uh you all are<00:44:56.680><c> interested</c><00:44:57.240><c> in</c>

44:58

are interested in are interested in um<00:44:59.559><c> there</c><00:44:59.880><c> there</c><00:45:00.000><c> will</c><00:45:00.119><c> be</c><00:45:00.240><c> a</c><00:45:00.359><c> question</c><00:45:00.599><c> at</c><00:45:00.880><c> the</c>

45:01

um there there will be a question at the um there there will be a question at the um<00:45:02.040><c> in</c> um in um in your<00:45:04.000><c> post</c><00:45:04.880><c> the</c><00:45:05.359><c> survey</c><00:45:05.880><c> after</c><00:45:06.160><c> this</c><00:45:06.319><c> session</c>

45:07

your post the survey after this session your post the survey after this session um<00:45:07.280><c> asking</c><00:45:07.480><c> you</c><00:45:07.640><c> about</c><00:45:07.880><c> questions</c><00:45:08.160><c> that</c><00:45:08.280><c> you</c> um asking you about questions that you um asking you about questions that you think<00:45:08.559><c> would</c><00:45:08.720><c> be</c><00:45:09.119><c> questions</c><00:45:09.359><c> and</c><00:45:09.520><c> topics</c><00:45:09.760><c> you</c>

45:09

think would be questions and topics you think would be questions and topics you think<00:45:09.960><c> would</c><00:45:10.079><c> be</c><00:45:10.160><c> interesting</c><00:45:10.440><c> to</c><00:45:10.640><c> include</c> think would be interesting to include think would be interesting to include either<00:45:11.559><c> in</c><00:45:11.720><c> this</c><00:45:11.839><c> presentation</c><00:45:12.280><c> next</c><00:45:12.480><c> year</c><00:45:12.640><c> or</c>

45:12

either in this presentation next year or either in this presentation next year or in<00:45:13.040><c> future</c><00:45:13.800><c> uh</c><00:45:13.920><c> future</c><00:45:14.240><c> surveys</c><00:45:14.800><c> so</c><00:45:15.680><c> um</c><00:45:15.880><c> topics</c>

45:16

in future uh future surveys so um topics in future uh future surveys so um topics like<00:45:16.400><c> that</c><00:45:16.520><c> that</c><00:45:16.640><c> you</c><00:45:16.720><c> think</c><00:45:16.839><c> would</c><00:45:16.960><c> be</c> like that that you think would be like that that you think would be interesting<00:45:17.520><c> please</c><00:45:17.960><c> please</c><00:45:18.160><c> let</c><00:45:18.280><c> us</c><00:45:18.440><c> know</c>

45:18

interesting please please let us know interesting please please let us know because<00:45:18.960><c> that</c><00:45:19.040><c> will</c><00:45:19.160><c> be</c><00:45:19.280><c> helpful</c><00:45:19.599><c> as</c><00:45:19.760><c> we're</c> because that will be helpful as we're because that will be helpful as we're we're<00:45:20.200><c> planning</c><00:45:20.440><c> for</c><00:45:20.640><c> next</c>

45:21

we're planning for next we're planning for next year year year um<00:45:24.800><c> and</c><00:45:24.960><c> I</c><00:45:25.079><c> go</c><00:45:25.359><c> P</c><00:45:25.599><c> this</c><00:45:25.760><c> question</c><00:45:26.040><c> this</c><00:45:26.160><c> next</c>

45:26

um and I go P this question this next um and I go P this question this next question<00:45:27.000><c> to</c><00:45:27.280><c> you</c><00:45:27.960><c> which</c><00:45:28.319><c> is</c><00:45:28.839><c> whether</c><00:45:29.119><c> there's</c>

45:29

question to you which is whether there's question to you which is whether there's any<00:45:29.880><c> question</c><00:45:30.119><c> to</c><00:45:30.280><c> survey</c><00:45:30.760><c> about</c><00:45:31.200><c> the</c><00:45:31.400><c> effect</c>

45:31

any question to survey about the effect any question to survey about the effect that<00:45:31.960><c> climate</c><00:45:32.319><c> is</c><00:45:32.520><c> having</c><00:45:32.720><c> on</c><00:45:33.000><c> Financial</c> that climate is having on Financial that climate is having on Financial Health<00:45:34.200><c> and</c><00:45:35.040><c> looking</c><00:45:35.520><c> at</c><00:45:36.520><c> uh</c><00:45:36.760><c> the</c><00:45:37.160><c> effects</c><00:45:37.680><c> of</c>

45:38

Health and looking at uh the effects of Health and looking at uh the effects of of<00:45:38.520><c> natural</c><00:45:38.880><c> disasters</c><00:45:39.400><c> on</c><00:45:39.800><c> on</c><00:45:39.920><c> how</c><00:45:40.040><c> people</c> of natural disasters on on how people of natural disasters on on how people are<00:45:40.319><c> fairing</c>

45:41

are fairing are fairing financially<00:45:42.720><c> y</c><00:45:43.000><c> we</c><00:45:43.119><c> have</c><00:45:43.240><c> a</c><00:45:43.359><c> few</c><00:45:43.640><c> questions</c><00:45:44.599><c> um</c>

45:45

financially y we have a few questions um financially y we have a few questions um we've<00:45:45.800><c> had</c><00:45:45.960><c> a</c><00:45:46.079><c> few</c><00:45:46.359><c> questions</c><00:45:47.079><c> on</c><00:45:47.839><c> um</c><00:45:48.640><c> natural</c>

45:49

we've had a few questions on um natural we've had a few questions on um natural disasters<00:45:49.520><c> and</c><00:45:49.760><c> extreme</c><00:45:50.480><c> weather</c><00:45:51.240><c> for</c><00:45:51.400><c> a</c><00:45:51.520><c> few</c>

45:51

disasters and extreme weather for a few disasters and extreme weather for a few years<00:45:52.480><c> uh</c><00:45:52.720><c> this</c><00:45:52.920><c> year</c><00:45:53.240><c> in</c><00:45:53.359><c> the</c><00:45:53.480><c> 2023</c><00:45:54.160><c> survey</c><00:45:54.720><c> we</c>

45:54

years uh this year in the 2023 survey we years uh this year in the 2023 survey we first<00:45:55.280><c> asked</c><00:45:55.720><c> everyone</c><00:45:56.319><c> if</c><00:45:56.559><c> they</c><00:45:56.760><c> had</c><00:45:57.040><c> had</c>

45:57

first asked everyone if they had had first asked everyone if they had had been<00:45:57.559><c> financially</c><00:45:58.160><c> affected</c><00:45:59.119><c> by</c><00:45:59.920><c> natural</c>

46:00

been financially affected by natural been financially affected by natural disasters<00:46:00.760><c> or</c><00:46:00.960><c> severe</c><00:46:01.319><c> weather</c><00:46:02.240><c> um</c><00:46:02.440><c> we</c>

46:02

disasters or severe weather um we disasters or severe weather um we followed<00:46:02.839><c> up</c><00:46:03.000><c> with</c><00:46:03.079><c> a</c><00:46:03.319><c> second</c><00:46:03.800><c> question</c><00:46:04.760><c> um</c>

46:05

followed up with a second question um followed up with a second question um where<00:46:06.000><c> was</c><00:46:06.760><c> we</c><00:46:07.640><c> gave</c><00:46:07.920><c> survey</c><00:46:08.359><c> respondents</c>

46:09

where was we gave survey respondents where was we gave survey respondents multiple<00:46:10.119><c> options</c><00:46:10.480><c> and</c><00:46:10.599><c> they</c><00:46:10.720><c> said</c><00:46:10.960><c> yes</c><00:46:11.079><c> or</c><00:46:11.280><c> no</c>

46:11

multiple options and they said yes or no multiple options and they said yes or no um<00:46:11.800><c> so</c><00:46:12.000><c> we</c><00:46:12.200><c> kind</c><00:46:12.319><c> of</c><00:46:12.440><c> limited</c><00:46:12.839><c> the</c><00:46:13.040><c> set</c><00:46:13.280><c> of</c><00:46:13.440><c> ways</c>

46:13

um so we kind of limited the set of ways um so we kind of limited the set of ways that<00:46:13.920><c> they</c><00:46:14.079><c> could</c><00:46:14.240><c> be</c><00:46:14.520><c> financially</c><00:46:15.119><c> affected</c> that they could be financially affected that they could be financially affected by<00:46:15.839><c> natural</c><00:46:16.839><c> um</c><00:46:18.040><c> by</c><00:46:19.040><c> um</c><00:46:19.559><c> natural</c><00:46:19.920><c> disasters</c><00:46:20.319><c> in</c>

46:20

by natural um by um natural disasters in by natural um by um natural disasters in extreme<00:46:20.800><c> weather</c><00:46:21.079><c> so</c><00:46:21.200><c> we</c><00:46:21.400><c> kind</c><00:46:21.520><c> of</c><00:46:21.680><c> two</c> extreme weather so we kind of two extreme weather so we kind of two questions<00:46:22.400><c> one</c><00:46:23.240><c> where</c><00:46:23.760><c> we</c><00:46:23.920><c> just</c><00:46:24.079><c> let</c><00:46:24.319><c> the</c>

46:24

questions one where we just let the questions one where we just let the respondent<00:46:25.079><c> say</c><00:46:25.400><c> yes</c><00:46:25.599><c> I</c><00:46:25.720><c> have</c><00:46:25.920><c> no</c><00:46:26.079><c> I</c><00:46:26.200><c> haven't</c>

46:26

respondent say yes I have no I haven't respondent say yes I have no I haven't it<00:46:26.720><c> C</c><00:46:26.920><c> covers</c><00:46:27.680><c> cover</c><00:46:27.920><c> a</c><00:46:28.040><c> lot</c><00:46:28.160><c> of</c><00:46:28.359><c> cases</c><00:46:29.079><c> um</c><00:46:29.319><c> and</c>

46:29

it C covers cover a lot of cases um and it C covers cover a lot of cases um and another<00:46:29.800><c> where</c><00:46:29.960><c> you</c><00:46:30.040><c> can</c><00:46:30.319><c> actually</c><00:46:30.680><c> see</c><00:46:31.440><c> the</c>

46:31

another where you can actually see the another where you can actually see the shares<00:46:32.000><c> of</c><00:46:32.200><c> people</c><00:46:32.480><c> who</c><00:46:32.720><c> say</c><00:46:33.520><c> that</c><00:46:33.839><c> yes</c><00:46:34.040><c> I</c><00:46:34.160><c> was</c>

46:34

shares of people who say that yes I was shares of people who say that yes I was and<00:46:34.599><c> it</c><00:46:34.800><c> affected</c><00:46:35.200><c> me</c><00:46:35.559><c> this</c>

46:38

way way thanks<00:46:41.280><c> so</c><00:46:41.520><c> Lisa</c><00:46:41.920><c> this</c><00:46:42.079><c> next</c><00:46:42.280><c> question</c><00:46:42.520><c> is</c><00:46:42.640><c> for</c>

46:42

thanks so Lisa this next question is for thanks so Lisa this next question is for you<00:46:43.520><c> which</c><00:46:44.119><c> is</c><00:46:45.359><c> um</c><00:46:46.480><c> a</c><00:46:47.480><c> we</c><00:46:47.599><c> have</c><00:46:47.720><c> a</c><00:46:47.880><c> question</c>

46:48

you which is um a we have a question you which is um a we have a question wanting<00:46:48.480><c> to</c><00:46:48.680><c> know</c><00:46:49.680><c> about</c><00:46:50.240><c> the</c><00:46:50.480><c> surveys</c><00:46:51.079><c> raw</c>

46:51

wanting to know about the surveys raw wanting to know about the surveys raw the<00:46:51.960><c> raw</c><00:46:52.280><c> survey</c><00:46:52.640><c> data</c><00:46:53.160><c> at</c><00:46:53.359><c> what</c><00:46:53.640><c> geography</c>

46:54

the raw survey data at what geography the raw survey data at what geography are<00:46:54.319><c> we</c><00:46:54.640><c> are</c><00:46:54.800><c> people</c><00:46:55.079><c> able</c><00:46:55.400><c> to</c><00:46:56.400><c> uh</c>

46:57

are we are people able to uh are we are people able to uh uh<00:46:57.480><c> to</c><00:46:57.599><c> do</c><00:46:57.800><c> analyses</c><00:46:58.280><c> with</c><00:46:58.400><c> the</c><00:46:58.520><c> data</c><00:46:58.720><c> that</c> uh to do analyses with the data that uh to do analyses with the data that we're<00:46:58.880><c> putting</c><00:46:59.079><c> out</c>

46:59

we're putting out we're putting out publicly<00:47:00.920><c> thanks</c><00:47:01.440><c> yeah</c><00:47:01.760><c> so</c><00:47:02.680><c> the</c><00:47:03.119><c> lowest</c><00:47:03.559><c> level</c>

47:03

publicly thanks yeah so the lowest level publicly thanks yeah so the lowest level of<00:47:03.960><c> geography</c><00:47:04.559><c> that</c><00:47:04.680><c> we</c><00:47:04.880><c> put</c><00:47:05.040><c> out</c><00:47:05.319><c> publicly</c><00:47:05.800><c> is</c>

47:06

of geography that we put out publicly is of geography that we put out publicly is State<00:47:07.359><c> um</c><00:47:07.640><c> so</c><00:47:07.839><c> you're</c><00:47:08.079><c> able</c><00:47:08.599><c> to</c><00:47:09.599><c> have</c><00:47:09.960><c> state</c>

47:10

State um so you're able to have state State um so you're able to have state and<00:47:10.680><c> then</c><00:47:11.119><c> anything</c><00:47:11.520><c> up</c><00:47:11.800><c> from</c><00:47:12.119><c> that</c><00:47:12.480><c> so</c><00:47:13.119><c> Anna</c>

47:13

and then anything up from that so Anna and then anything up from that so Anna presented<00:47:13.839><c> the</c><00:47:14.000><c> map</c><00:47:14.200><c> on</c><00:47:14.359><c> homeowners</c> presented the map on homeowners presented the map on homeowners insurance<00:47:15.359><c> by</c><00:47:15.559><c> census</c><00:47:16.000><c> division</c><00:47:16.760><c> we</c><00:47:16.880><c> also</c>

47:17

insurance by census division we also insurance by census division we also have<00:47:17.280><c> census</c><00:47:17.720><c> region</c><00:47:18.119><c> there's</c><00:47:18.359><c> four</c><00:47:18.599><c> of</c><00:47:18.800><c> those</c>

47:19

have census region there's four of those have census region there's four of those we<00:47:19.359><c> also</c><00:47:19.640><c> showed</c><00:47:19.920><c> some</c><00:47:20.079><c> results</c><00:47:20.400><c> by</c><00:47:20.760><c> that</c><00:47:21.760><c> um</c>

47:22

we also showed some results by that um we also showed some results by that um the<00:47:22.160><c> internal</c><00:47:22.640><c> data</c><00:47:23.240><c> we</c><00:47:23.400><c> have</c><00:47:23.599><c> goes</c><00:47:23.880><c> down</c><00:47:24.000><c> to</c>

47:24

the internal data we have goes down to the internal data we have goes down to census<00:47:24.599><c> tract</c><00:47:25.119><c> but</c><00:47:25.280><c> for</c><00:47:25.640><c> confidentiality</c>

47:26

census tract but for confidentiality census tract but for confidentiality reasons<00:47:27.040><c> that's</c><00:47:27.200><c> not</c><00:47:27.319><c> something</c><00:47:27.599><c> we</c><00:47:27.720><c> can</c> reasons that's not something we can reasons that's not something we can release<00:47:28.760><c> publicly</c><00:47:29.760><c> um</c><00:47:30.119><c> also</c><00:47:30.400><c> just</c><00:47:30.520><c> a</c>

47:31

release publicly um also just a release publicly um also just a caveat<00:47:32.480><c> um</c><00:47:32.640><c> so</c><00:47:32.839><c> we</c><00:47:33.000><c> do</c><00:47:33.440><c> release</c><00:47:34.000><c> data</c><00:47:34.319><c> at</c><00:47:34.440><c> the</c>

47:34

caveat um so we do release data at the caveat um so we do release data at the state<00:47:35.480><c> level</c><00:47:36.480><c> but</c><00:47:37.160><c> you</c><00:47:37.240><c> know</c><00:47:37.400><c> you</c><00:47:37.520><c> may</c><00:47:37.760><c> not</c><00:47:38.640><c> be</c>

47:38

state level but you know you may not be state level but you know you may not be able<00:47:39.200><c> to</c><00:47:39.640><c> have</c><00:47:39.839><c> like</c><00:47:39.960><c> a</c><00:47:40.079><c> lot</c><00:47:40.280><c> of</c><00:47:40.400><c> a</c><00:47:40.680><c> sample</c><00:47:41.079><c> for</c>

47:41

able to have like a lot of a sample for able to have like a lot of a sample for every<00:47:41.760><c> state</c><00:47:42.599><c> um</c><00:47:43.200><c> because</c><00:47:43.359><c> it's</c><00:47:43.520><c> not</c><00:47:43.760><c> designed</c>

47:44

every state um because it's not designed every state um because it's not designed we<00:47:44.400><c> just</c><00:47:44.520><c> don't</c><00:47:44.720><c> have</c><00:47:44.880><c> the</c><00:47:45.000><c> sample</c><00:47:45.319><c> to</c><00:47:45.440><c> be</c> we just don't have the sample to be we just don't have the sample to be representative<00:47:46.359><c> at</c><00:47:46.559><c> for</c><00:47:46.800><c> each</c><00:47:47.079><c> state</c><00:47:47.760><c> um</c><00:47:48.319><c> so</c><00:47:48.520><c> I</c>

47:48

representative at for each state um so I representative at for each state um so I don't<00:47:48.720><c> want</c><00:47:48.920><c> people</c><00:47:49.119><c> to</c><00:47:49.240><c> be</c><00:47:49.400><c> disappointed</c><00:47:49.920><c> out</c> don't want people to be disappointed out don't want people to be disappointed out there<00:47:50.240><c> if</c><00:47:50.359><c> they're</c><00:47:50.520><c> going</c><00:47:50.760><c> in</c><00:47:51.000><c> looking</c><00:47:51.400><c> for</c>

47:51

there if they're going in looking for there if they're going in looking for Wyoming<00:47:52.319><c> and</c><00:47:52.559><c> no</c><00:47:52.839><c> it's</c><00:47:53.040><c> not</c><00:47:53.319><c> there's</c><00:47:53.520><c> not</c> Wyoming and no it's not there's not Wyoming and no it's not there's not enough<00:47:54.400><c> I</c><00:47:54.520><c> picked</c><00:47:54.760><c> on</c><00:47:54.920><c> Wyoming</c><00:47:55.440><c> I</c><00:47:55.599><c> maybe</c><00:47:55.839><c> there</c>

47:55

enough I picked on Wyoming I maybe there enough I picked on Wyoming I maybe there is<00:47:56.240><c> but</c><00:47:56.440><c> I</c><00:47:56.559><c> I</c><00:47:56.640><c> don't</c><00:47:56.800><c> I</c><00:47:56.880><c> don't</c>

48:02

know that's always a uh a good concern know that's always a uh a good concern to<00:48:02.599><c> keep</c><00:48:02.720><c> in</c><00:48:02.839><c> mind</c><00:48:03.040><c> whenever</c><00:48:03.400><c> working</c><00:48:03.640><c> with</c> to keep in mind whenever working with to keep in mind whenever working with the<00:48:03.880><c> data</c><00:48:04.319><c> is</c><00:48:04.480><c> making</c><00:48:04.720><c> sure</c><00:48:05.000><c> there's</c><00:48:05.160><c> enough</c>

48:05

the data is making sure there's enough the data is making sure there's enough sample<00:48:05.720><c> to</c><00:48:05.800><c> be</c><00:48:05.920><c> able</c><00:48:06.160><c> to</c><00:48:06.480><c> to</c><00:48:06.599><c> say</c><00:48:06.800><c> something</c> sample to be able to to say something sample to be able to to say something meaningful<00:48:08.200><c> um</c><00:48:09.200><c> yeah</c><00:48:09.319><c> it's</c><00:48:09.520><c> one</c><00:48:09.640><c> of</c><00:48:09.800><c> those</c>

48:10

meaningful um yeah it's one of those meaningful um yeah it's one of those annoying<00:48:10.640><c> things</c><00:48:11.000><c> we</c><00:48:11.200><c> say</c><00:48:11.680><c> when</c><00:48:11.960><c> people</c><00:48:12.240><c> ask</c>

48:12

annoying things we say when people ask annoying things we say when people ask questions<00:48:13.079><c> that</c><00:48:13.240><c> we</c><00:48:13.319><c> don't</c><00:48:13.480><c> have</c><00:48:13.640><c> the</c><00:48:13.839><c> sample</c>

48:14

questions that we don't have the sample questions that we don't have the sample but<00:48:15.680><c> um</c><00:48:16.000><c> yeah</c><00:48:16.160><c> it's</c>

48:21

important Ellen this next question is important Ellen this next question is for<00:48:21.319><c> you</c><00:48:21.520><c> turning</c><00:48:21.920><c> back</c><00:48:22.040><c> to</c><00:48:22.160><c> the</c><00:48:22.200><c> $400</c> for you turning back to the $400 for you turning back to the $400 question<00:48:23.160><c> that</c><00:48:23.319><c> we</c><00:48:23.640><c> we</c><00:48:24.040><c> uh</c><00:48:24.200><c> talked</c><00:48:24.400><c> about</c>

48:24

question that we we uh talked about question that we we uh talked about earlier<00:48:25.119><c> about</c><00:48:25.520><c> how</c><00:48:25.680><c> people</c><00:48:25.839><c> would</c><00:48:25.960><c> handle</c> earlier about how people would handle earlier about how people would handle emergency<00:48:27.119><c> expenses</c><00:48:28.119><c> and</c><00:48:28.720><c> whether</c><00:48:28.920><c> you</c>

48:29

emergency expenses and whether you emergency expenses and whether you consider<00:48:29.760><c> people</c><00:48:30.040><c> putting</c><00:48:30.280><c> it</c><00:48:30.359><c> on</c><00:48:30.480><c> a</c><00:48:30.680><c> credit</c> consider people putting it on a credit consider people putting it on a credit card<00:48:31.240><c> is</c><00:48:31.400><c> equivalent</c><00:48:31.800><c> to</c><00:48:32.040><c> cash</c><00:48:32.760><c> and</c><00:48:33.119><c> if</c><00:48:33.240><c> so</c><00:48:34.079><c> why</c>

48:35

card is equivalent to cash and if so why card is equivalent to cash and if so why um<00:48:35.839><c> yes</c><00:48:36.160><c> we</c><00:48:36.720><c> we</c><00:48:36.880><c> split</c><00:48:37.280><c> that</c><00:48:37.480><c> two</c><00:48:37.760><c> ways</c><00:48:38.160><c> so</c><00:48:38.440><c> if</c>

48:38

um yes we we split that two ways so if um yes we we split that two ways so if somebody<00:48:39.000><c> says</c><00:48:39.359><c> that</c><00:48:39.640><c> they</c><00:48:40.480><c> would</c><00:48:40.680><c> put</c><00:48:40.800><c> it</c><00:48:40.920><c> on</c>

48:41

somebody says that they would put it on somebody says that they would put it on a<00:48:41.400><c> credit</c><00:48:41.680><c> card</c><00:48:41.920><c> and</c><00:48:42.079><c> pay</c><00:48:42.240><c> it</c><00:48:42.359><c> off</c><00:48:42.480><c> over</c><00:48:42.880><c> time</c>

48:43

a credit card and pay it off over time a credit card and pay it off over time we<00:48:43.240><c> do</c><00:48:43.440><c> not</c><00:48:43.720><c> count</c><00:48:44.079><c> that</c><00:48:44.400><c> as</c><00:48:44.559><c> paying</c><00:48:44.839><c> with</c><00:48:45.119><c> cash</c>

48:45

we do not count that as paying with cash we do not count that as paying with cash um<00:48:46.400><c> um</c><00:48:46.559><c> because</c><00:48:46.800><c> they're</c><00:48:47.200><c> they're</c><00:48:47.400><c> financing</c>

48:47

um um because they're they're financing um um because they're they're financing it<00:48:48.240><c> essentially</c><00:48:48.640><c> and</c><00:48:48.720><c> they're</c><00:48:48.839><c> going</c><00:48:48.920><c> to</c><00:48:49.000><c> be</c> it essentially and they're going to be it essentially and they're going to be paying<00:48:49.440><c> interest</c><00:48:49.839><c> on</c><00:48:50.000><c> it</c><00:48:50.599><c> that</c><00:48:50.839><c> way</c><00:48:51.040><c> but</c><00:48:51.200><c> if</c>

48:51

paying interest on it that way but if paying interest on it that way but if somebody<00:48:51.680><c> says</c><00:48:51.960><c> that</c><00:48:52.119><c> they're</c><00:48:52.319><c> going</c><00:48:52.440><c> to</c><00:48:52.559><c> put</c> somebody says that they're going to put somebody says that they're going to put it<00:48:52.799><c> on</c><00:48:52.920><c> a</c><00:48:53.079><c> credit</c><00:48:53.400><c> card</c><00:48:53.799><c> and</c><00:48:54.040><c> pay</c><00:48:54.280><c> it</c><00:48:54.480><c> off</c><00:48:54.680><c> at</c>

48:54

it on a credit card and pay it off at it on a credit card and pay it off at the<00:48:55.040><c> next</c><00:48:55.440><c> statement</c><00:48:56.440><c> then</c><00:48:56.839><c> we</c><00:48:56.960><c> do</c><00:48:57.200><c> treat</c><00:48:57.599><c> that</c>

48:57

the next statement then we do treat that the next statement then we do treat that as<00:48:58.880><c> that</c><00:48:59.079><c> that</c><00:48:59.240><c> term</c><00:48:59.520><c> I</c><00:48:59.640><c> used</c><00:49:00.079><c> cash</c><00:49:00.319><c> or</c><00:49:00.520><c> the</c>

49:00

as that that term I used cash or the as that that term I used cash or the equivalent<00:49:01.480><c> U</c><00:49:01.680><c> because</c><00:49:01.920><c> it</c><00:49:02.040><c> indicates</c><00:49:02.559><c> they</c>

49:02

equivalent U because it indicates they equivalent U because it indicates they do<00:49:03.000><c> have</c><00:49:03.280><c> the</c><00:49:04.000><c> the</c><00:49:04.160><c> savings</c><00:49:05.119><c> um</c><00:49:05.680><c> pretty</c><00:49:06.000><c> handy</c>

49:06

do have the the savings um pretty handy do have the the savings um pretty handy um<00:49:07.079><c> to</c><00:49:07.240><c> be</c><00:49:07.359><c> able</c><00:49:07.559><c> to</c><00:49:07.680><c> pay</c><00:49:07.880><c> off</c><00:49:08.040><c> the</c><00:49:08.160><c> bill</c><00:49:08.799><c> um</c><00:49:09.040><c> so</c>

49:09

um to be able to pay off the bill um so um to be able to pay off the bill um so they<00:49:09.880><c> aren't</c><00:49:10.160><c> using</c><00:49:10.559><c> credit</c><00:49:11.160><c> as</c><00:49:11.520><c> um</c><00:49:11.760><c> they're</c>

49:11

they aren't using credit as um they're they aren't using credit as um they're using<00:49:12.160><c> the</c><00:49:12.280><c> credit</c><00:49:12.520><c> card</c><00:49:12.799><c> probably</c><00:49:13.040><c> more</c><00:49:13.280><c> for</c> using the credit card probably more for using the credit card probably more for convenience<00:49:14.160><c> than</c><00:49:14.319><c> they</c><00:49:14.440><c> are</c><00:49:14.880><c> as</c><00:49:14.960><c> a</c><00:49:15.119><c> source</c><00:49:15.359><c> of</c>

49:15

convenience than they are as a source of convenience than they are as a source of credit<00:49:16.079><c> so</c><00:49:16.280><c> that's</c><00:49:16.440><c> why</c><00:49:16.559><c> we</c><00:49:16.680><c> split</c><00:49:16.960><c> it</c><00:49:17.119><c> that</c>

49:19

credit so that's why we split it that credit so that's why we split it that way<00:49:20.559><c> thanks</c><00:49:21.559><c> and</c><00:49:21.720><c> Elisa</c><00:49:22.079><c> I'm</c><00:49:22.160><c> going</c><00:49:22.240><c> to</c><00:49:22.359><c> turn</c>

49:22

way thanks and Elisa I'm going to turn way thanks and Elisa I'm going to turn back<00:49:22.799><c> to</c><00:49:23.040><c> you</c><00:49:23.720><c> uh</c><00:49:23.839><c> for</c><00:49:24.040><c> a</c><00:49:24.280><c> question</c><00:49:24.920><c> about</c>

49:25

back to you uh for a question about back to you uh for a question about actually<00:49:26.280><c> a</c><00:49:26.359><c> couple</c><00:49:26.760><c> questions</c><00:49:27.119><c> about</c> actually a couple questions about actually a couple questions about Banking<00:49:27.720><c> and</c><00:49:27.960><c> finances</c><00:49:28.680><c> or</c><00:49:28.839><c> Banking</c><00:49:29.240><c> and</c><00:49:29.559><c> and</c>

49:29

Banking and finances or Banking and and Banking and finances or Banking and and credit<00:49:30.640><c> so</c><00:49:31.440><c> last</c><00:49:31.760><c> year</c><00:49:32.400><c> you</c><00:49:32.599><c> had</c><00:49:32.799><c> questions</c><00:49:33.040><c> on</c>

49:33

credit so last year you had questions on credit so last year you had questions on the<00:49:33.280><c> survey</c><00:49:33.640><c> on</c><00:49:33.839><c> balp</c><00:49:34.359><c> later</c><00:49:34.839><c> products</c><00:49:35.839><c> and</c>

49:35

the survey on balp later products and the survey on balp later products and did<00:49:36.119><c> you</c><00:49:36.240><c> continue</c><00:49:36.559><c> to</c><00:49:36.760><c> ask</c><00:49:36.960><c> about</c><00:49:37.280><c> that</c><00:49:37.440><c> and</c> did you continue to ask about that and did you continue to ask about that and what<00:49:37.680><c> are</c><00:49:37.760><c> you</c><00:49:37.880><c> seeing</c><00:49:38.280><c> in</c><00:49:38.599><c> in</c><00:49:38.799><c> the</c><00:49:39.079><c> trends</c><00:49:39.440><c> for</c>

49:39

what are you seeing in in the trends for what are you seeing in in the trends for byy<00:49:39.839><c> now</c><00:49:40.000><c> pay</c> byy now pay byy now pay later<00:49:41.799><c> yeah</c><00:49:42.119><c> thanks</c><00:49:42.440><c> so</c><00:49:42.720><c> we</c><00:49:43.119><c> we</c><00:49:43.240><c> did</c><00:49:43.440><c> continue</c>

49:43

later yeah thanks so we we did continue later yeah thanks so we we did continue to<00:49:44.000><c> ask</c><00:49:44.200><c> about</c><00:49:44.440><c> buy</c><00:49:44.680><c> now</c><00:49:44.960><c> pay</c><00:49:45.400><c> later</c><00:49:46.400><c> um</c><00:49:46.720><c> we</c><00:49:46.839><c> saw</c>

49:47

to ask about buy now pay later um we saw to ask about buy now pay later um we saw an<00:49:47.400><c> increase</c><00:49:47.799><c> in</c><00:49:47.960><c> buy</c><00:49:48.200><c> now</c><00:49:48.359><c> pay</c><00:49:48.520><c> later</c><00:49:48.839><c> use</c><00:49:49.599><c> um</c>

49:50

an increase in buy now pay later use um an increase in buy now pay later use um uh<00:49:50.559><c> but</c><00:49:50.720><c> I</c><00:49:50.799><c> wouldn't</c><00:49:51.079><c> characterize</c><00:49:51.559><c> it</c><00:49:51.760><c> as</c><00:49:52.079><c> as</c> uh but I wouldn't characterize it as as uh but I wouldn't characterize it as as huge<00:49:52.520><c> I'm</c><00:49:52.599><c> forgetting</c><00:49:52.960><c> off</c><00:49:53.119><c> the</c><00:49:53.200><c> top</c><00:49:53.359><c> of</c><00:49:53.440><c> my</c>

49:53

huge I'm forgetting off the top of my huge I'm forgetting off the top of my head<00:49:53.680><c> but</c><00:49:53.799><c> a</c><00:49:53.880><c> couple</c><00:49:54.119><c> percentage</c><00:49:54.760><c> points</c><00:49:55.760><c> um</c>

49:56

head but a couple percentage points um head but a couple percentage points um and<00:49:56.760><c> and</c><00:49:56.960><c> I</c><00:49:57.079><c> think</c><00:49:58.000><c> um</c><00:49:58.799><c> we</c><00:49:59.040><c> also</c><00:49:59.559><c> continued</c><00:50:00.040><c> to</c>

50:00

and and I think um we also continued to and and I think um we also continued to ask<00:50:00.599><c> reasons</c><00:50:01.280><c> why</c><00:50:01.599><c> people</c><00:50:01.839><c> use</c><00:50:02.200><c> buy</c><00:50:02.440><c> now</c><00:50:02.640><c> pay</c>

50:02

ask reasons why people use buy now pay ask reasons why people use buy now pay later<00:50:03.559><c> and</c><00:50:03.760><c> those</c><00:50:03.920><c> have</c><00:50:04.079><c> largely</c><00:50:04.559><c> remained</c>

50:04

later and those have largely remained later and those have largely remained consistent<00:50:05.559><c> since</c><00:50:05.760><c> we</c><00:50:05.880><c> started</c><00:50:06.280><c> asking</c><00:50:06.599><c> the</c> consistent since we started asking the consistent since we started asking the question<00:50:07.920><c> um</c><00:50:08.920><c> uh</c><00:50:09.079><c> most</c><00:50:09.359><c> people</c><00:50:09.640><c> say</c><00:50:10.000><c> that</c><00:50:10.160><c> it's</c>

50:10

question um uh most people say that it's question um uh most people say that it's convenient<00:50:11.319><c> that's</c><00:50:11.720><c> that's</c><00:50:11.920><c> the</c><00:50:12.079><c> top</c><00:50:12.520><c> one</c><00:50:13.520><c> um</c>

50:14

convenient that's that's the top one um convenient that's that's the top one um one<00:50:14.520><c> thing</c><00:50:14.880><c> that</c><00:50:15.040><c> was</c><00:50:15.240><c> notable</c><00:50:15.799><c> about</c><00:50:16.040><c> the</c>

50:16

one thing that was notable about the one thing that was notable about the reasons<00:50:17.559><c> is</c><00:50:18.079><c> that</c><00:50:18.480><c> those</c><00:50:18.839><c> with</c><00:50:19.079><c> lower</c><00:50:19.440><c> income</c>

50:19

reasons is that those with lower income reasons is that those with lower income were<00:50:20.319><c> more</c><00:50:20.680><c> likely</c><00:50:21.000><c> to</c><00:50:21.200><c> say</c><00:50:21.599><c> that</c><00:50:22.240><c> uh</c><00:50:22.359><c> it</c><00:50:22.440><c> was</c>

50:22

were more likely to say that uh it was were more likely to say that uh it was the<00:50:22.720><c> only</c><00:50:22.960><c> way</c><00:50:23.160><c> they</c><00:50:23.280><c> could</c><00:50:23.440><c> afford</c><00:50:23.799><c> it</c><00:50:24.200><c> is</c><00:50:24.359><c> why</c> the only way they could afford it is why the only way they could afford it is why they<00:50:24.599><c> use</c><00:50:24.799><c> buy</c><00:50:25.000><c> now</c><00:50:25.160><c> pay</c><00:50:25.319><c> later</c><00:50:26.040><c> and</c><00:50:26.200><c> just</c><00:50:26.440><c> even</c>

50:26

they use buy now pay later and just even they use buy now pay later and just even in<00:50:26.920><c> the</c><00:50:27.040><c> overall</c><00:50:27.480><c> population</c><00:50:28.160><c> if</c><00:50:28.240><c> I'm</c> in the overall population if I'm in the overall population if I'm remembering<00:50:28.920><c> right</c><00:50:29.119><c> I</c><00:50:29.200><c> don't</c><00:50:29.319><c> have</c><00:50:29.400><c> the</c>

50:29

remembering right I don't have the remembering right I don't have the numbers<00:50:29.760><c> in</c><00:50:29.839><c> front</c><00:50:30.040><c> of</c><00:50:30.119><c> me</c><00:50:30.319><c> but</c><00:50:30.440><c> it</c><00:50:30.520><c> was</c><00:50:30.680><c> around</c> numbers in front of me but it was around numbers in front of me but it was around half<00:50:31.480><c> I</c><00:50:31.599><c> think</c><00:50:32.319><c> uh</c><00:50:33.000><c> that</c><00:50:33.720><c> uh</c><00:50:34.079><c> that's</c><00:50:34.520><c> that</c><00:50:34.720><c> gave</c>

50:34

half I think uh that uh that's that gave half I think uh that uh that's that gave that<00:50:35.119><c> response</c><00:50:35.599><c> that</c><00:50:35.720><c> they</c><00:50:35.799><c> use</c><00:50:36.040><c> buy</c><00:50:36.240><c> now</c><00:50:36.400><c> pay</c> that response that they use buy now pay that response that they use buy now pay later<00:50:36.839><c> because</c><00:50:37.000><c> it</c><00:50:37.079><c> was</c><00:50:37.200><c> the</c><00:50:37.319><c> only</c><00:50:37.480><c> way</c><00:50:37.599><c> they</c>

50:37

later because it was the only way they later because it was the only way they could<00:50:37.839><c> afford</c><00:50:38.119><c> it</c><00:50:38.599><c> um</c><00:50:39.400><c> so</c><00:50:39.599><c> yeah</c><00:50:39.760><c> so</c><00:50:39.880><c> we</c><00:50:40.040><c> have</c>

50:40

could afford it um so yeah so we have could afford it um so yeah so we have quite<00:50:40.440><c> a</c><00:50:40.520><c> bit</c><00:50:40.680><c> on</c><00:50:40.839><c> buy</c><00:50:41.079><c> now</c><00:50:41.280><c> pay</c><00:50:41.480><c> later</c><00:50:42.400><c> um</c><00:50:42.880><c> that</c>

50:43

quite a bit on buy now pay later um that quite a bit on buy now pay later um that should<00:50:43.240><c> be</c><00:50:43.400><c> in</c><00:50:43.520><c> the</c><00:50:43.599><c> full</c><00:50:43.960><c> report</c>

50:45

should be in the full report should be in the full report um<00:50:46.720><c> and</c><00:50:47.240><c> then</c><00:50:47.480><c> your</c><00:50:47.760><c> second</c><00:50:48.280><c> question</c><00:50:49.240><c> I</c><00:50:49.359><c> had</c>

50:49

um and then your second question I had um and then your second question I had not<00:50:49.640><c> got</c><00:50:49.839><c> my</c><00:50:49.920><c> so</c><00:50:50.040><c> I</c><00:50:50.119><c> had</c><00:50:50.280><c> gave</c><00:50:50.440><c> you</c><00:50:50.520><c> my</c><00:50:50.680><c> second</c> not got my so I had gave you my second not got my so I had gave you my second question<00:50:51.119><c> yet</c><00:50:51.240><c> so</c><00:50:52.079><c> okay</c><00:50:52.240><c> that's</c><00:50:52.520><c> why</c><00:50:52.599><c> I</c><00:50:52.720><c> don't</c>

50:53

question yet so okay that's why I don't question yet so okay that's why I don't remember<00:50:54.799><c> um</c><00:50:55.400><c> the</c><00:50:55.559><c> the</c><00:50:55.680><c> second</c><00:50:55.960><c> question</c>

50:56

remember um the the second question remember um the the second question related<00:50:56.760><c> to</c><00:50:56.880><c> banking</c><00:50:57.520><c> is</c><00:50:58.240><c> um</c><00:50:58.640><c> what</c><00:50:58.799><c> we</c><00:50:58.960><c> see</c><00:50:59.400><c> on</c>

51:00

related to banking is um what we see on related to banking is um what we see on uh<00:51:00.200><c> banked</c><00:51:00.680><c> and</c><00:51:00.920><c> unbanked</c><00:51:01.720><c> populations</c><00:51:02.640><c> in</c>

51:02

uh banked and unbanked populations in uh banked and unbanked populations in the<00:51:03.000><c> survey</c><00:51:03.400><c> this</c><00:51:03.760><c> year</c><00:51:04.760><c> yeah</c><00:51:04.920><c> so</c><00:51:05.079><c> we</c><00:51:05.240><c> continue</c>

51:05

the survey this year yeah so we continue the survey this year yeah so we continue to<00:51:05.920><c> ask</c><00:51:06.240><c> on</c><00:51:06.400><c> the</c><00:51:06.520><c> survey</c><00:51:06.920><c> about</c><00:51:07.160><c> bank</c><00:51:07.440><c> account</c>

51:08

to ask on the survey about bank account to ask on the survey about bank account ownership<00:51:09.240><c> um</c><00:51:09.880><c> and</c><00:51:10.520><c> we</c><00:51:10.880><c> again</c><00:51:11.200><c> finded</c><00:51:11.799><c> around</c>

51:12

ownership um and we again finded around ownership um and we again finded around at<00:51:12.480><c> least</c><00:51:12.720><c> in</c><00:51:12.839><c> the</c><00:51:12.920><c> shed</c><00:51:13.280><c> 6%</c><00:51:14.160><c> of</c><00:51:14.480><c> adults</c><00:51:15.480><c> uh</c>

51:15

at least in the shed 6% of adults uh at least in the shed 6% of adults uh report<00:51:16.040><c> not</c><00:51:16.280><c> having</c><00:51:16.760><c> a</c><00:51:16.960><c> checking</c><00:51:17.280><c> or</c><00:51:17.440><c> savings</c>

51:17

report not having a checking or savings report not having a checking or savings account<00:51:18.920><c> um</c><00:51:19.079><c> which</c><00:51:19.200><c> is</c><00:51:19.359><c> consistent</c><00:51:19.960><c> with</c><00:51:20.319><c> what</c>

51:20

account um which is consistent with what account um which is consistent with what we've<00:51:20.760><c> seen</c><00:51:21.280><c> in</c><00:51:21.760><c> Prior</c><00:51:22.400><c> years</c><00:51:23.400><c> um</c><00:51:23.559><c> we</c><00:51:23.799><c> also</c><00:51:24.319><c> ask</c>

51:24

we've seen in Prior years um we also ask we've seen in Prior years um we also ask about<00:51:24.920><c> use</c><00:51:25.240><c> of</c><00:51:25.559><c> quote</c><00:51:25.799><c> unquote</c><00:51:26.160><c> alternativ</c>

51:26

about use of quote unquote alternativ about use of quote unquote alternativ Financial<00:51:27.440><c> Services</c><00:51:28.440><c> um</c><00:51:28.559><c> so</c><00:51:28.760><c> things</c><00:51:29.040><c> like</c>

51:29

Financial Services um so things like Financial Services um so things like check<00:51:29.480><c> caching</c><00:51:30.480><c> uh</c><00:51:30.599><c> non-bank</c><00:51:31.000><c> check</c><00:51:31.240><c> cashing</c>

51:31

check caching uh non-bank check cashing check caching uh non-bank check cashing money<00:51:31.799><c> order</c><00:51:32.680><c> and</c><00:51:32.799><c> then</c><00:51:32.960><c> we</c><00:51:33.119><c> ask</c><00:51:33.359><c> about</c><00:51:33.720><c> the</c><00:51:34.400><c> uh</c>

51:35

money order and then we ask about the uh money order and then we ask about the uh alternative<00:51:35.720><c> credit</c><00:51:36.040><c> products</c><00:51:36.480><c> like</c><00:51:36.640><c> payday</c> alternative credit products like payday alternative credit products like payday Pon<00:51:37.400><c> Auto</c><00:51:37.760><c> tile</c><00:51:38.760><c> um</c><00:51:39.000><c> so</c><00:51:39.160><c> we</c><00:51:39.280><c> have</c><00:51:39.440><c> all</c><00:51:39.559><c> of</c><00:51:39.799><c> those</c>

51:40

Pon Auto tile um so we have all of those Pon Auto tile um so we have all of those items<00:51:40.720><c> in</c><00:51:40.920><c> there</c><00:51:41.079><c> in</c><00:51:41.240><c> the</c><00:51:41.799><c> report</c><00:51:43.240><c> um</c>

51:44

items in there in the report um items in there in the report um generally<00:51:44.799><c> we've</c><00:51:45.000><c> seen</c><00:51:45.319><c> that</c><00:51:45.480><c> the</c><00:51:45.559><c> use</c><00:51:45.799><c> of</c> generally we've seen that the use of generally we've seen that the use of money<00:51:46.480><c> order</c><00:51:47.079><c> and</c><00:51:47.280><c> check</c><00:51:47.640><c> cashing</c><00:51:48.240><c> has</c>

51:48

money order and check cashing has money order and check cashing has declined<00:51:49.400><c> over</c><00:51:49.760><c> time</c><00:51:50.280><c> although</c><00:51:50.640><c> it</c><00:51:50.720><c> may</c><00:51:50.880><c> have</c>

51:50

declined over time although it may have declined over time although it may have been<00:51:51.319><c> kind</c><00:51:51.440><c> of</c><00:51:51.559><c> more</c><00:51:51.720><c> flat</c><00:51:52.119><c> in</c><00:51:52.319><c> recent</c><00:51:52.640><c> years</c>

51:53

been kind of more flat in recent years been kind of more flat in recent years and<00:51:53.240><c> that</c><00:51:53.440><c> has</c><00:51:53.680><c> generally</c><00:51:54.000><c> been</c><00:51:54.160><c> true</c><00:51:54.359><c> among</c> and that has generally been true among and that has generally been true among the<00:51:54.680><c> banked</c><00:51:54.960><c> and</c><00:51:55.119><c> the</c><00:51:55.400><c> unbanked</c><00:51:56.400><c> um</c><00:51:56.799><c> um</c><00:51:57.799><c> which</c>

51:58

the banked and the unbanked um um which the banked and the unbanked um um which is<00:51:58.359><c> something</c><00:51:59.200><c> that</c><00:51:59.400><c> we're</c><00:51:59.839><c> we're</c><00:52:00.079><c> following</c>

52:01

is something that we're we're following is something that we're we're following um<00:52:01.359><c> so</c><00:52:01.599><c> yes</c><00:52:01.760><c> so</c><00:52:01.920><c> we</c><00:52:02.119><c> have</c><00:52:02.799><c> we</c><00:52:02.920><c> have</c><00:52:03.119><c> a</c><00:52:03.880><c> uh</c>

52:04

um so yes so we have we have a uh um so yes so we have we have a uh continue<00:52:04.720><c> to</c><00:52:04.880><c> report</c><00:52:05.200><c> on</c><00:52:05.400><c> that</c><00:52:05.640><c> and</c><00:52:05.880><c> the</c><00:52:06.000><c> full</c>

52:06

continue to report on that and the full continue to report on that and the full uh<00:52:06.880><c> full</c><00:52:07.079><c> information</c><00:52:07.559><c> in</c><00:52:07.720><c> the</c>

52:09

uh full information in the uh full information in the report<00:52:10.640><c> this</c><00:52:10.799><c> next</c><00:52:10.960><c> question</c><00:52:11.160><c> is</c><00:52:11.280><c> a</c><00:52:11.400><c> great</c>

52:11

report this next question is a great report this next question is a great question<00:52:11.920><c> for</c><00:52:12.319><c> all</c><00:52:12.640><c> three</c><00:52:12.799><c> of</c><00:52:12.920><c> you</c><00:52:13.119><c> actually</c> question for all three of you actually question for all three of you actually that<00:52:13.520><c> be</c><00:52:13.599><c> interested</c><00:52:13.799><c> in</c><00:52:13.880><c> your</c><00:52:14.079><c> perspectives</c>

52:14

that be interested in your perspectives that be interested in your perspectives on<00:52:15.119><c> which</c><00:52:15.359><c> is</c><00:52:16.240><c> um</c><00:52:16.480><c> what</c><00:52:16.599><c> do</c><00:52:16.640><c> you</c><00:52:16.760><c> think</c><00:52:16.880><c> is</c><00:52:16.960><c> the</c>

52:17

on which is um what do you think is the on which is um what do you think is the most<00:52:17.400><c> important</c><00:52:17.880><c> aspect</c><00:52:18.119><c> of</c><00:52:18.240><c> the</c><00:52:18.359><c> survey</c><00:52:18.680><c> this</c> most important aspect of the survey this most important aspect of the survey this year<00:52:19.160><c> that</c><00:52:19.760><c> uh</c><00:52:20.040><c> really</c><00:52:20.280><c> jumped</c><00:52:20.599><c> out</c><00:52:20.760><c> at</c><00:52:20.920><c> you</c><00:52:21.240><c> is</c>

52:22

year that uh really jumped out at you is year that uh really jumped out at you is um<00:52:22.440><c> either</c><00:52:22.680><c> interesting</c><00:52:23.079><c> or</c><00:52:23.240><c> surprising</c><00:52:24.079><c> um</c>

52:24

um either interesting or surprising um um either interesting or surprising um and<00:52:24.680><c> Ellen</c><00:52:25.079><c> can</c><00:52:25.160><c> I</c><00:52:25.280><c> start</c><00:52:25.440><c> with</c><00:52:25.599><c> you</c><00:52:25.720><c> on</c><00:52:25.880><c> that</c>

52:26

and Ellen can I start with you on that and Ellen can I start with you on that sure sure sure um<00:52:29.640><c> I</c><00:52:29.760><c> think</c><00:52:30.240><c> interesting</c><00:52:30.760><c> I</c><00:52:30.839><c> don't</c><00:52:31.000><c> know</c><00:52:31.160><c> that</c>

52:31

um I think interesting I don't know that um I think interesting I don't know that it's<00:52:31.480><c> surprising</c><00:52:32.119><c> is</c><00:52:32.400><c> that</c><00:52:32.880><c> even</c><00:52:33.240><c> though</c><00:52:34.079><c> you</c>

52:34

it's surprising is that even though you it's surprising is that even though you know<00:52:34.480><c> headline</c><00:52:34.799><c> inflation</c><00:52:35.280><c> has</c><00:52:35.440><c> come</c><00:52:35.640><c> down</c> know headline inflation has come down know headline inflation has come down quite<00:52:36.119><c> a</c><00:52:36.240><c> bit</c><00:52:36.480><c> there's</c><00:52:36.880><c> still</c><00:52:37.880><c> um</c><00:52:38.040><c> that's</c>

52:38

quite a bit there's still um that's quite a bit there's still um that's still<00:52:38.400><c> a</c><00:52:38.520><c> big</c><00:52:38.720><c> effect</c><00:52:38.960><c> on</c><00:52:39.160><c> households</c><00:52:39.760><c> you</c> still a big effect on households you still a big effect on households you know<00:52:40.160><c> and</c><00:52:40.359><c> you</c><00:52:40.520><c> see</c><00:52:40.839><c> that</c><00:52:41.240><c> in</c><00:52:42.240><c> um</c><00:52:43.079><c> things</c><00:52:43.480><c> like</c>

52:44

know and you see that in um things like know and you see that in um things like the<00:52:45.079><c> results</c><00:52:45.440><c> on</c><00:52:45.559><c> the</c><00:52:45.640><c> Main</c><00:52:45.880><c> Financial</c>

52:46

the results on the Main Financial the results on the Main Financial challenges<00:52:46.760><c> that</c><00:52:46.880><c> I</c><00:52:47.280><c> mentioned</c><00:52:48.280><c> um</c><00:52:48.640><c> and</c><00:52:48.839><c> you</c>

52:48

challenges that I mentioned um and you challenges that I mentioned um and you know<00:52:49.440><c> even</c><00:52:49.720><c> though</c><00:52:49.880><c> the</c><00:52:50.000><c> share</c><00:52:50.480><c> people</c><00:52:50.640><c> who</c> know even though the share people who know even though the share people who are<00:52:50.880><c> taking</c><00:52:51.160><c> actions</c><00:52:51.559><c> based</c><00:52:51.799><c> on</c><00:52:52.000><c> inflation</c><00:52:52.440><c> is</c>

52:52

are taking actions based on inflation is are taking actions based on inflation is down<00:52:53.079><c> slightly</c><00:52:54.000><c> it's</c><00:52:54.160><c> still</c><00:52:54.440><c> pretty</c><00:52:54.720><c> high</c><00:52:55.040><c> in</c>

52:55

down slightly it's still pretty high in down slightly it's still pretty high in terms<00:52:55.400><c> of</c><00:52:55.599><c> people</c><00:52:55.799><c> moderating</c><00:52:56.280><c> the</c><00:52:56.520><c> Behavior</c> terms of people moderating the Behavior terms of people moderating the Behavior so<00:52:57.839><c> um</c><00:52:58.640><c> I</c><00:52:58.720><c> think</c><00:52:58.920><c> that</c><00:52:59.040><c> was</c><00:52:59.200><c> noteworthy</c><00:52:59.720><c> to</c>

53:00

so um I think that was noteworthy to so um I think that was noteworthy to me<00:53:01.440><c> thanks</c>

53:03

me thanks me thanks Anna<00:53:05.000><c> um</c><00:53:06.000><c> I</c><00:53:06.119><c> think</c><00:53:06.640><c> one</c><00:53:07.400><c> important</c><00:53:07.799><c> set</c><00:53:08.000><c> of</c>

53:08

Anna um I think one important set of Anna um I think one important set of findings<00:53:08.640><c> were</c><00:53:09.079><c> just</c><00:53:09.319><c> on</c><00:53:09.559><c> how</c><00:53:09.799><c> renters</c><00:53:10.240><c> were</c>

53:10

findings were just on how renters were findings were just on how renters were fairing<00:53:11.240><c> um</c><00:53:11.359><c> if</c><00:53:11.480><c> you</c><00:53:11.599><c> study</c><00:53:11.920><c> renters</c><00:53:12.280><c> you</c><00:53:12.480><c> know</c>

53:12

fairing um if you study renters you know fairing um if you study renters you know that<00:53:12.760><c> this</c><00:53:12.839><c> is</c><00:53:13.200><c> sometimes</c><00:53:13.480><c> a</c><00:53:13.880><c> difficult</c><00:53:14.040><c> group</c> that this is sometimes a difficult group that this is sometimes a difficult group to<00:53:14.480><c> get</c><00:53:14.680><c> data</c><00:53:15.440><c> um</c><00:53:16.160><c> timely</c><00:53:16.520><c> data</c><00:53:16.799><c> for</c><00:53:17.799><c> um</c><00:53:18.079><c> and</c><00:53:18.160><c> so</c>

53:18

to get data um timely data for um and so to get data um timely data for um and so it's<00:53:19.079><c> nice</c><00:53:19.440><c> when</c><00:53:20.280><c> the</c><00:53:20.480><c> shed</c><00:53:20.680><c> comes</c><00:53:20.839><c> out</c><00:53:21.000><c> yearly</c>

53:21

it's nice when the shed comes out yearly it's nice when the shed comes out yearly and<00:53:21.440><c> we</c><00:53:21.559><c> can</c><00:53:21.720><c> see</c><00:53:22.200><c> um</c><00:53:22.440><c> and</c><00:53:22.720><c> clearly</c><00:53:23.200><c> identify</c>

53:23

and we can see um and clearly identify and we can see um and clearly identify renters<00:53:24.240><c> as</c><00:53:24.400><c> opposed</c><00:53:24.680><c> to</c><00:53:24.880><c> making</c><00:53:25.440><c> some</c> renters as opposed to making some renters as opposed to making some assumptions<00:53:26.079><c> about</c><00:53:26.240><c> who</c><00:53:26.520><c> may</c><00:53:26.640><c> be</c><00:53:26.799><c> renting</c><00:53:27.680><c> uh</c>

53:27

assumptions about who may be renting uh assumptions about who may be renting uh but<00:53:28.040><c> look</c><00:53:28.240><c> to</c><00:53:28.319><c> see</c><00:53:28.480><c> how</c><00:53:28.599><c> they're</c><00:53:28.839><c> fairing</c><00:53:29.839><c> um</c>

53:30

but look to see how they're fairing um but look to see how they're fairing um and<00:53:30.839><c> we</c> and we and we included<00:53:33.480><c> um</c><00:53:33.680><c> some</c><00:53:33.799><c> of</c><00:53:33.960><c> these</c><00:53:34.119><c> results</c><00:53:34.400><c> in</c><00:53:34.559><c> the</c>

53:34

included um some of these results in the included um some of these results in the report<00:53:35.240><c> but</c><00:53:36.000><c> you</c><00:53:36.599><c> if</c><00:53:37.559><c> you</c><00:53:38.040><c> if</c><00:53:38.160><c> you</c><00:53:38.319><c> use</c><00:53:38.599><c> the</c>

53:38

report but you if you if you use the report but you if you if you use the public<00:53:39.079><c> data</c><00:53:39.720><c> um</c><00:53:39.920><c> you</c><00:53:40.119><c> can</c><00:53:40.799><c> look</c><00:53:40.960><c> at</c><00:53:41.119><c> how</c>

53:41

public data um you can look at how public data um you can look at how renters<00:53:41.640><c> and</c><00:53:41.799><c> homeowners</c><00:53:42.240><c> are</c><00:53:42.359><c> fairing</c> renters and homeowners are fairing renters and homeowners are fairing across<00:53:43.680><c> a</c><00:53:43.880><c> lot</c><00:53:44.040><c> of</c><00:53:44.319><c> different</c>

53:45

across a lot of different across a lot of different um<00:53:46.520><c> multiple</c><00:53:47.040><c> outcomes</c><00:53:47.480><c> in</c><00:53:47.799><c> different</c><00:53:48.400><c> um</c>

53:48

um multiple outcomes in different um um multiple outcomes in different um like<00:53:49.119><c> student</c><00:53:49.480><c> loans</c><00:53:49.880><c> or</c><00:53:50.119><c> other</c><00:53:50.920><c> or</c>

53:51

like student loans or other or like student loans or other or Healthcare<00:53:52.079><c> other</c><00:53:52.359><c> things</c><00:53:52.640><c> so</c><00:53:53.440><c> um</c><00:53:53.599><c> I</c><00:53:53.760><c> think</c>

53:54

Healthcare other things so um I think Healthcare other things so um I think focusing<00:53:55.240><c> on</c><00:53:55.400><c> renters</c><00:53:56.000><c> was</c><00:53:56.440><c> was</c><00:53:56.599><c> helpful</c>

53:56

focusing on renters was was helpful focusing on renters was was helpful because<00:53:57.760><c> they</c><00:53:57.880><c> are</c><00:53:58.520><c> the</c><00:53:59.000><c> cost</c><00:53:59.200><c> of</c><00:53:59.319><c> rent</c><00:53:59.520><c> has</c>

53:59

because they are the cost of rent has because they are the cost of rent has gone<00:53:59.839><c> up</c><00:54:00.079><c> and</c><00:54:00.280><c> we</c><00:54:00.480><c> are</c><00:54:00.640><c> seeing</c><00:54:01.040><c> challenges</c>

54:01

gone up and we are seeing challenges gone up and we are seeing challenges that<00:54:01.880><c> they're</c>

54:08

facing thanks absolutely um facing thanks absolutely um analisia<00:54:09.200><c> um</c><00:54:10.000><c> yeah</c><00:54:10.440><c> so</c><00:54:11.200><c> I</c><00:54:11.319><c> might</c><00:54:11.599><c> take</c><00:54:11.920><c> two</c><00:54:12.440><c> if</c>

54:12

analisia um yeah so I might take two if analisia um yeah so I might take two if I<00:54:12.680><c> can</c><00:54:12.839><c> cheat</c><00:54:13.720><c> um</c><00:54:14.040><c> but</c><00:54:14.280><c> so</c><00:54:14.720><c> I</c><00:54:15.160><c> I</c><00:54:15.520><c> definitely</c>

54:15

I can cheat um but so I I definitely I can cheat um but so I I definitely agree<00:54:16.119><c> with</c><00:54:16.280><c> Ellen</c><00:54:16.799><c> on</c><00:54:17.359><c> inflation</c><00:54:18.359><c> so</c><00:54:18.760><c> going</c>

54:19

agree with Ellen on inflation so going agree with Ellen on inflation so going into<00:54:19.520><c> this</c><00:54:20.240><c> like</c><00:54:20.440><c> when</c><00:54:20.640><c> we</c><00:54:21.000><c> we</c><00:54:21.160><c> first</c><00:54:21.359><c> get</c><00:54:21.559><c> the</c>

54:21

into this like when we we first get the into this like when we we first get the data<00:54:22.599><c> you</c><00:54:22.720><c> know</c><00:54:23.079><c> there</c><00:54:23.240><c> was</c><00:54:23.680><c> and</c><00:54:23.799><c> there's</c><00:54:24.079><c> kind</c>

54:24

data you know there was and there's kind data you know there was and there's kind of<00:54:24.319><c> still</c><00:54:24.559><c> is</c><00:54:24.839><c> this</c><00:54:25.000><c> narrative</c><00:54:25.920><c> around</c>

54:27

of still is this narrative around of still is this narrative around the<00:54:27.720><c> economy</c><00:54:28.440><c> by</c><00:54:28.680><c> lots</c><00:54:28.880><c> of</c><00:54:29.079><c> measures</c><00:54:29.520><c> looks</c>

54:29

the economy by lots of measures looks the economy by lots of measures looks like<00:54:29.880><c> is</c><00:54:30.079><c> doing</c><00:54:30.400><c> really</c><00:54:30.720><c> well</c><00:54:31.359><c> like</c> like is doing really well like like is doing really well like employment<00:54:32.119><c> is</c><00:54:32.319><c> going</c><00:54:32.960><c> strong</c><00:54:33.960><c> and</c><00:54:34.520><c> why</c><00:54:34.720><c> is</c>

54:34

employment is going strong and why is employment is going strong and why is consumer<00:54:35.440><c> sentiment</c><00:54:35.960><c> been</c><00:54:36.240><c> so</c><00:54:36.520><c> poor</c><00:54:36.920><c> why</c><00:54:37.040><c> are</c>

54:37

consumer sentiment been so poor why are consumer sentiment been so poor why are people<00:54:38.119><c> why</c><00:54:38.240><c> do</c><00:54:38.400><c> people</c><00:54:38.599><c> have</c><00:54:38.720><c> such</c><00:54:39.000><c> negative</c>

54:39

people why do people have such negative people why do people have such negative view<00:54:39.960><c> on</c><00:54:40.280><c> the</c><00:54:41.200><c> the</c><00:54:41.760><c> economy</c><00:54:42.880><c> and</c><00:54:43.880><c> when</c><00:54:44.040><c> I</c>

54:44

view on the the economy and when I view on the the economy and when I looked<00:54:44.400><c> at</c><00:54:44.520><c> the</c><00:54:44.680><c> data</c><00:54:45.240><c> and</c><00:54:45.359><c> then</c><00:54:45.480><c> I</c><00:54:45.599><c> saw</c><00:54:45.799><c> the</c> looked at the data and then I saw the looked at the data and then I saw the results<00:54:46.640><c> on</c><00:54:47.119><c> in</c><00:54:47.400><c> like</c><00:54:47.680><c> the</c><00:54:47.920><c> sort</c><00:54:48.119><c> of</c><00:54:48.520><c> what</c><00:54:48.640><c> are</c>

54:48

results on in like the sort of what are results on in like the sort of what are your<00:54:48.880><c> Main</c><00:54:49.119><c> Financial</c><00:54:49.520><c> challenges</c><00:54:49.920><c> and</c><00:54:50.079><c> you</c> your Main Financial challenges and you your Main Financial challenges and you see<00:54:50.480><c> inflation</c><00:54:51.040><c> was</c><00:54:51.359><c> just</c><00:54:51.599><c> about</c><00:54:51.839><c> the</c><00:54:51.960><c> same</c><00:54:52.119><c> as</c>

54:52

see inflation was just about the same as see inflation was just about the same as last<00:54:52.520><c> year</c><00:54:52.720><c> even</c><00:54:52.920><c> though</c><00:54:53.040><c> the</c><00:54:53.160><c> official</c> last year even though the official last year even though the official numbers<00:54:53.760><c> gone</c><00:54:54.040><c> down</c><00:54:54.400><c> it's</c><00:54:54.599><c> like</c><00:54:54.839><c> oh</c><00:54:55.040><c> aha</c><00:54:55.920><c> it</c>

54:56

numbers gone down it's like oh aha it numbers gone down it's like oh aha it this<00:54:56.559><c> is</c><00:54:56.799><c> me</c><00:54:57.000><c> Alicia</c><00:54:57.520><c> speaking</c><00:54:58.079><c> not</c><00:54:58.480><c> the</c><00:54:58.920><c> the</c>

54:58

this is me Alicia speaking not the the this is me Alicia speaking not the the Federal<00:54:59.359><c> Reserve</c><00:54:59.760><c> I</c><00:54:59.839><c> was</c><00:54:59.960><c> like</c><00:55:00.160><c> oh</c><00:55:00.400><c> it</c><00:55:00.480><c> seems</c>

55:01

Federal Reserve I was like oh it seems Federal Reserve I was like oh it seems like<00:55:02.040><c> um</c><00:55:02.280><c> you</c><00:55:02.400><c> know</c><00:55:02.520><c> it's</c><00:55:02.720><c> inflation</c><00:55:03.319><c> people</c>

55:03

like um you know it's inflation people like um you know it's inflation people are<00:55:03.720><c> still</c><00:55:04.359><c> really</c><00:55:05.000><c> like</c><00:55:05.680><c> whether</c><00:55:06.040><c> wages</c><00:55:06.359><c> have</c>

55:06

are still really like whether wages have are still really like whether wages have risen<00:55:06.880><c> or</c><00:55:07.040><c> not</c><00:55:07.359><c> but</c><00:55:07.720><c> that's</c><00:55:07.960><c> how</c><00:55:08.200><c> they're</c> risen or not but that's how they're risen or not but that's how they're feeling<00:55:09.000><c> about</c><00:55:09.240><c> it</c><00:55:09.559><c> and</c><00:55:09.680><c> so</c><00:55:09.880><c> to</c><00:55:10.040><c> me</c><00:55:10.200><c> that</c><00:55:10.400><c> kind</c>

55:10

feeling about it and so to me that kind feeling about it and so to me that kind of<00:55:11.079><c> spoke</c><00:55:11.440><c> to</c><00:55:11.640><c> that</c><00:55:11.920><c> that</c><00:55:12.040><c> puzzle</c><00:55:12.440><c> a</c><00:55:12.559><c> little</c>

55:12

of spoke to that that puzzle a little of spoke to that that puzzle a little bit<00:55:13.359><c> especially</c><00:55:13.760><c> if</c><00:55:13.839><c> you</c><00:55:13.920><c> dig</c><00:55:14.160><c> into</c><00:55:14.440><c> like</c><00:55:14.559><c> what</c>

55:14

bit especially if you dig into like what bit especially if you dig into like what their<00:55:14.960><c> answers</c><00:55:15.480><c> were</c><00:55:16.359><c> um</c><00:55:16.839><c> so</c><00:55:17.040><c> we</c><00:55:17.200><c> noticed</c><00:55:17.640><c> a</c>

55:17

their answers were um so we noticed a their answers were um so we noticed a big<00:55:18.160><c> like</c><00:55:18.319><c> an</c><00:55:18.480><c> uptick</c><00:55:19.240><c> really</c><00:55:19.559><c> in</c><00:55:19.880><c> people</c>

55:20

big like an uptick really in people big like an uptick really in people specifically<00:55:20.960><c> this</c><00:55:21.119><c> year</c><00:55:21.319><c> mentioning</c><00:55:21.720><c> the</c> specifically this year mentioning the specifically this year mentioning the price<00:55:22.119><c> of</c><00:55:22.359><c> food</c><00:55:22.880><c> and</c><00:55:23.160><c> groceries</c><00:55:24.160><c> as</c><00:55:24.240><c> a</c><00:55:24.400><c> Main</c>

55:24

price of food and groceries as a Main price of food and groceries as a Main Financial<00:55:25.079><c> challenge</c><00:55:26.039><c> um</c><00:55:26.160><c> and</c><00:55:26.400><c> then</c><00:55:26.480><c> as</c><00:55:26.640><c> Anna</c>

55:26

Financial challenge um and then as Anna Financial challenge um and then as Anna mentioned<00:55:27.319><c> renters</c><00:55:28.200><c> you</c><00:55:28.319><c> know</c><00:55:28.480><c> were</c><00:55:28.720><c> facing</c>

55:29

mentioned renters you know were facing mentioned renters you know were facing higher<00:55:30.039><c> rents</c><00:55:30.520><c> and</c><00:55:30.680><c> really</c><00:55:31.200><c> struggling</c><00:55:32.200><c> um</c><00:55:32.359><c> so</c>

55:32

higher rents and really struggling um so higher rents and really struggling um so again<00:55:32.839><c> me</c><00:55:33.079><c> Alicia</c><00:55:33.559><c> speaking</c><00:55:34.119><c> like</c><00:55:34.680><c> people</c><00:55:34.920><c> are</c>

55:35

again me Alicia speaking like people are again me Alicia speaking like people are like<00:55:35.559><c> seeing</c><00:55:36.160><c> higher</c><00:55:36.480><c> food</c><00:55:36.920><c> costs</c><00:55:37.319><c> higher</c>

55:37

like seeing higher food costs higher like seeing higher food costs higher housing<00:55:38.079><c> costs</c><00:55:38.440><c> those</c><00:55:38.559><c> are</c><00:55:38.760><c> like</c><00:55:38.920><c> some</c><00:55:39.200><c> you</c> housing costs those are like some you housing costs those are like some you know<00:55:39.599><c> two</c><00:55:39.839><c> of</c><00:55:40.000><c> the</c><00:55:40.160><c> basic</c><00:55:40.640><c> necessities</c><00:55:41.440><c> for</c>

55:42

know two of the basic necessities for know two of the basic necessities for for<00:55:42.359><c> surviving</c><00:55:43.240><c> food</c><00:55:43.480><c> and</c><00:55:43.640><c> shelter</c><00:55:44.640><c> um</c><00:55:44.760><c> so</c>

55:44

for surviving food and shelter um so for surviving food and shelter um so that<00:55:45.119><c> kind</c><00:55:45.240><c> of</c><00:55:45.440><c> I</c><00:55:45.520><c> don't</c><00:55:45.640><c> know</c><00:55:45.760><c> it</c><00:55:45.839><c> made</c><00:55:45.960><c> a</c><00:55:46.039><c> lot</c> that kind of I don't know it made a lot that kind of I don't know it made a lot of<00:55:46.280><c> sense</c><00:55:46.480><c> to</c><00:55:46.640><c> me</c><00:55:47.039><c> why</c><00:55:47.520><c> you</c><00:55:47.640><c> know</c><00:55:48.039><c> if</c><00:55:48.400><c> that's</c>

55:48

of sense to me why you know if that's of sense to me why you know if that's how<00:55:48.760><c> people</c><00:55:48.960><c> are</c><00:55:49.200><c> feeling</c><00:55:50.200><c> um</c><00:55:50.599><c> and</c><00:55:50.720><c> then</c>

55:50

how people are feeling um and then how people are feeling um and then cheating<00:55:51.319><c> a</c><00:55:51.440><c> little</c><00:55:51.599><c> bit</c><00:55:51.920><c> the</c><00:55:52.160><c> the</c><00:55:52.280><c> other</c> cheating a little bit the the other cheating a little bit the the other thing<00:55:52.680><c> that</c><00:55:52.839><c> really</c><00:55:53.119><c> stood</c><00:55:53.400><c> out</c><00:55:53.559><c> to</c><00:55:53.680><c> me</c><00:55:53.880><c> was</c>

55:53

thing that really stood out to me was thing that really stood out to me was the<00:55:54.119><c> result</c><00:55:54.480><c> on</c><00:55:54.640><c> homeowners</c><00:55:55.160><c> insurance</c><00:55:56.480><c> um</c><00:55:56.720><c> so</c>

55:56

the result on homeowners insurance um so the result on homeowners insurance um so we<00:55:57.039><c> sort</c><00:55:57.240><c> of</c><00:55:57.440><c> you</c><00:55:57.559><c> know</c><00:55:57.680><c> outed</c><00:55:58.039><c> that</c><00:55:58.200><c> question</c> we sort of you know outed that question we sort of you know outed that question we've<00:55:58.599><c> been</c><00:55:58.720><c> hearing</c><00:55:58.960><c> a</c><00:55:59.079><c> lot</c><00:55:59.200><c> about</c>

55:59

we've been hearing a lot about we've been hearing a lot about homeowners<00:55:59.920><c> insurance</c><00:56:00.480><c> and</c><00:56:00.839><c> that</c><00:56:01.000><c> seemed</c><00:56:01.520><c> you</c>

56:01

homeowners insurance and that seemed you homeowners insurance and that seemed you know<00:56:01.760><c> we're</c><00:56:01.960><c> always</c><00:56:02.240><c> constrained</c><00:56:02.680><c> for</c><00:56:02.880><c> space</c> know we're always constrained for space know we're always constrained for space on<00:56:03.280><c> the</c><00:56:03.359><c> instrument</c><00:56:03.799><c> but</c><00:56:03.880><c> that</c><00:56:04.000><c> seemed</c><00:56:04.160><c> like</c><00:56:04.319><c> a</c>

56:04

on the instrument but that seemed like a on the instrument but that seemed like a quick<00:56:04.720><c> hit</c><00:56:05.680><c> um</c><00:56:06.319><c> and</c><00:56:06.680><c> I</c><00:56:06.839><c> I</c><00:56:06.960><c> personally</c><00:56:07.280><c> was</c>

56:07

quick hit um and I I personally was quick hit um and I I personally was surprised<00:56:07.799><c> at</c><00:56:07.960><c> how</c><00:56:08.240><c> high</c><00:56:08.480><c> it</c><00:56:08.640><c> was</c><00:56:09.119><c> for</c><00:56:09.440><c> those</c>

56:09

surprised at how high it was for those surprised at how high it was for those going<00:56:10.240><c> without</c><00:56:10.520><c> homeowners</c><00:56:11.039><c> insurance</c><00:56:11.480><c> among</c> going without homeowners insurance among going without homeowners insurance among those<00:56:11.960><c> who</c><00:56:12.079><c> own</c><00:56:12.960><c> and</c><00:56:13.079><c> then</c><00:56:13.200><c> when</c><00:56:13.319><c> we</c><00:56:13.440><c> saw</c><00:56:13.680><c> the</c>

56:13

those who own and then when we saw the those who own and then when we saw the patterns<00:56:14.319><c> by</c><00:56:14.599><c> income</c><00:56:15.000><c> and</c><00:56:15.160><c> other</c><00:56:15.400><c> financial</c>

56:16

patterns by income and other financial patterns by income and other financial resources<00:56:17.079><c> and</c><00:56:17.240><c> also</c><00:56:17.440><c> just</c><00:56:17.599><c> where</c><00:56:17.760><c> in</c><00:56:17.920><c> the</c>

56:18

resources and also just where in the resources and also just where in the country<00:56:18.960><c> I</c><00:56:19.000><c> mean</c><00:56:19.160><c> in</c><00:56:19.319><c> hindsight</c><00:56:19.760><c> it</c><00:56:19.839><c> makes</c> country I mean in hindsight it makes country I mean in hindsight it makes sense<00:56:20.319><c> it's</c><00:56:20.440><c> like</c><00:56:20.640><c> oh</c><00:56:20.799><c> yeah</c><00:56:21.079><c> the</c><00:56:21.280><c> the</c><00:56:21.480><c> places</c>

56:21

sense it's like oh yeah the the places sense it's like oh yeah the the places with<00:56:22.440><c> you</c><00:56:22.520><c> know</c><00:56:22.680><c> lots</c><00:56:22.880><c> of</c><00:56:23.240><c> disasters</c><00:56:24.240><c> uh</c><00:56:24.400><c> or</c>

56:24

with you know lots of disasters uh or with you know lots of disasters uh or severe<00:56:25.079><c> weather</c><00:56:25.480><c> their</c><00:56:25.640><c> rates</c><00:56:25.839><c> are</c><00:56:25.960><c> probably</c> severe weather their rates are probably severe weather their rates are probably really<00:56:26.640><c> high</c><00:56:26.920><c> and</c><00:56:27.119><c> they're</c><00:56:27.280><c> not</c><00:56:27.440><c> going</c><00:56:27.559><c> to</c>

56:27

really high and they're not going to really high and they're not going to have<00:56:28.160><c> insurance</c><00:56:29.000><c> but</c><00:56:29.160><c> nonetheless</c><00:56:29.640><c> it</c><00:56:29.760><c> was</c> have insurance but nonetheless it was have insurance but nonetheless it was surprising<00:56:30.280><c> and</c><00:56:30.400><c> I</c><00:56:30.480><c> think</c><00:56:30.599><c> it's</c><00:56:30.880><c> important</c><00:56:31.880><c> um</c>

56:32

surprising and I think it's important um surprising and I think it's important um because<00:56:32.319><c> we</c><00:56:32.559><c> probably</c><00:56:32.880><c> worry</c><00:56:33.240><c> about</c><00:56:33.760><c> about</c> because we probably worry about about because we probably worry about about those<00:56:34.160><c> folks</c><00:56:34.640><c> and</c><00:56:34.799><c> I'm</c><00:56:35.160><c> just</c><00:56:35.319><c> noticing</c><00:56:35.720><c> the</c>

56:35

those folks and I'm just noticing the those folks and I'm just noticing the time<00:56:36.079><c> so</c><00:56:36.280><c> I</c><00:56:36.359><c> should</c><00:56:36.599><c> stop</c><00:56:36.920><c> there</c><00:56:37.160><c> thank</c>

56:37

time so I should stop there thank time so I should stop there thank you<00:56:38.920><c> all</c><00:56:39.039><c> right</c><00:56:39.280><c> well</c><00:56:39.680><c> thank</c><00:56:39.839><c> you</c><00:56:40.000><c> Elicia</c>

56:40

you all right well thank you Elicia you all right well thank you Elicia thank<00:56:40.680><c> you</c><00:56:40.960><c> Ellen</c><00:56:41.400><c> thank</c><00:56:41.520><c> you</c><00:56:41.680><c> Anna</c><00:56:42.200><c> I</c><00:56:42.440><c> really</c>

56:42

thank you Ellen thank you Anna I really thank you Ellen thank you Anna I really appreciate<00:56:43.160><c> all</c><00:56:43.319><c> the</c><00:56:43.520><c> insights</c><00:56:44.000><c> that</c><00:56:44.079><c> you</c><00:56:44.200><c> are</c> appreciate all the insights that you are appreciate all the insights that you are able<00:56:44.640><c> to</c><00:56:45.079><c> provide</c><00:56:45.400><c> with</c><00:56:45.520><c> us</c><00:56:45.680><c> today</c><00:56:46.400><c> and</c><00:56:47.200><c> with</c>

56:47

able to provide with us today and with able to provide with us today and with that<00:56:47.640><c> I'm</c><00:56:47.799><c> going</c><00:56:48.039><c> to</c><00:56:48.480><c> pass</c><00:56:48.760><c> things</c><00:56:49.039><c> over</c><00:56:49.280><c> to</c>

56:49

that I'm going to pass things over to that I'm going to pass things over to Whitney

57:01

oh thank you for that Jeff um that was a oh thank you for that Jeff um that was a really<00:57:01.359><c> good</c><00:57:01.640><c> discussion</c><00:57:02.520><c> I</c><00:57:02.640><c> know</c><00:57:02.799><c> there</c><00:57:02.880><c> were</c> really good discussion I know there were really good discussion I know there were a<00:57:03.160><c> ton</c><00:57:03.319><c> of</c><00:57:03.520><c> questions</c><00:57:03.960><c> and</c><00:57:04.200><c> so</c><00:57:04.720><c> um</c><00:57:05.039><c> thank</c><00:57:05.200><c> you</c>

57:05

a ton of questions and so um thank you a ton of questions and so um thank you all<00:57:05.520><c> for</c><00:57:05.760><c> doing</c><00:57:06.039><c> that</c><00:57:06.200><c> for</c><00:57:06.440><c> us</c><00:57:07.079><c> so</c><00:57:07.359><c> we</c><00:57:07.480><c> want</c><00:57:07.599><c> to</c>

57:07

all for doing that for us so we want to all for doing that for us so we want to thank<00:57:07.920><c> our</c><00:57:08.119><c> panelist</c><00:57:08.559><c> speakers</c><00:57:09.520><c> attendees</c>

57:10

thank our panelist speakers attendees thank our panelist speakers attendees thank<00:57:10.280><c> you</c><00:57:10.400><c> for</c><00:57:10.559><c> spending</c><00:57:10.880><c> your</c><00:57:11.079><c> valuable</c> thank you for spending your valuable thank you for spending your valuable time<00:57:11.720><c> with</c><00:57:11.880><c> us</c><00:57:12.039><c> this</c><00:57:12.319><c> afternoon</c><00:57:12.880><c> we</c><00:57:13.000><c> hope</c><00:57:13.160><c> you</c>

57:13

time with us this afternoon we hope you time with us this afternoon we hope you enjoyed<00:57:13.720><c> the</c><00:57:13.880><c> discussion</c><00:57:14.319><c> as</c><00:57:14.480><c> much</c><00:57:14.640><c> as</c><00:57:14.799><c> we</c><00:57:15.000><c> did</c>

57:15

enjoyed the discussion as much as we did enjoyed the discussion as much as we did um<00:57:16.119><c> before</c><00:57:16.400><c> we</c><00:57:16.599><c> have</c><00:57:16.799><c> before</c><00:57:17.039><c> we</c><00:57:17.160><c> end</c><00:57:17.400><c> the</c> um before we have before we end the um before we have before we end the discussion<00:57:17.960><c> we</c><00:57:18.079><c> do</c><00:57:18.280><c> have</c><00:57:18.440><c> just</c><00:57:18.599><c> a</c><00:57:18.760><c> couple</c>

57:19

discussion we do have just a couple discussion we do have just a couple small<00:57:19.400><c> requests</c><00:57:20.400><c> please</c><00:57:20.680><c> complete</c><00:57:21.000><c> the</c>

57:21

small requests please complete the small requests please complete the survey<00:57:21.559><c> that</c><00:57:21.640><c> will</c><00:57:21.799><c> be</c><00:57:21.880><c> sent</c><00:57:22.079><c> to</c><00:57:22.240><c> you</c> survey that will be sent to you survey that will be sent to you immediately<00:57:23.039><c> after</c><00:57:23.280><c> the</c><00:57:23.440><c> event</c><00:57:24.000><c> so</c><00:57:24.200><c> we</c><00:57:24.319><c> can</c>

57:24

immediately after the event so we can immediately after the event so we can improve<00:57:25.039><c> and</c><00:57:25.200><c> continue</c><00:57:25.520><c> to</c><00:57:25.680><c> bring</c><00:57:25.920><c> you</c><00:57:26.240><c> timely</c>

57:26

improve and continue to bring you timely improve and continue to bring you timely and<00:57:26.720><c> relevant</c><00:57:27.240><c> topics</c><00:57:28.520><c> particularly</c><00:57:29.520><c> um</c><00:57:29.640><c> the</c>

57:29

and relevant topics particularly um the and relevant topics particularly um the shed<00:57:30.039><c> team</c><00:57:30.240><c> is</c><00:57:30.400><c> interested</c><00:57:30.720><c> in</c><00:57:30.880><c> knowing</c><00:57:31.319><c> what</c> shed team is interested in knowing what shed team is interested in knowing what topics<00:57:31.839><c> related</c><00:57:32.200><c> to</c><00:57:32.359><c> household</c><00:57:32.880><c> finances</c><00:57:33.680><c> you</c>

57:33

topics related to household finances you topics related to household finances you would<00:57:34.000><c> like</c><00:57:34.160><c> to</c><00:57:34.400><c> include</c><00:57:34.720><c> in</c><00:57:34.880><c> future</c><00:57:35.200><c> surveys</c>

57:36

would like to include in future surveys would like to include in future surveys or<00:57:36.240><c> in</c><00:57:36.359><c> future</c><00:57:36.720><c> presentations</c><00:57:37.240><c> of</c><00:57:37.559><c> results</c><00:57:38.559><c> um</c>

57:38

or in future presentations of results um or in future presentations of results um so<00:57:39.119><c> definitely</c><00:57:39.520><c> be</c><00:57:39.640><c> sure</c><00:57:39.799><c> to</c><00:57:40.000><c> answer</c><00:57:40.400><c> that</c> so definitely be sure to answer that so definitely be sure to answer that question<00:57:41.119><c> and</c><00:57:41.280><c> the</c><00:57:41.400><c> rest</c><00:57:41.520><c> of</c><00:57:41.640><c> the</c><00:57:41.760><c> questions</c>

57:41

question and the rest of the questions question and the rest of the questions in<00:57:42.200><c> the</c><00:57:42.319><c> poll</c><00:57:43.280><c> as</c><00:57:43.480><c> mentioned</c><00:57:43.880><c> today's</c><00:57:44.280><c> session</c>

57:44

in the poll as mentioned today's session in the poll as mentioned today's session will<00:57:44.799><c> be</c><00:57:45.000><c> available</c><00:57:45.359><c> on</c><00:57:45.520><c> fed</c><00:57:45.799><c> communities.</c> will be available on fed communities. will be available on fed communities. org<00:57:46.720><c> in</c><00:57:46.880><c> about</c><00:57:47.119><c> two</c><00:57:47.440><c> weeks</c><00:57:48.440><c> um</c><00:57:48.599><c> so</c><00:57:48.839><c> visit</c><00:57:49.079><c> us</c><00:57:49.200><c> at</c>

57:49

org in about two weeks um so visit us at org in about two weeks um so visit us at fed<00:57:49.599><c> communities.</c><00:57:50.200><c> org</c><00:57:50.520><c> to</c><00:57:50.760><c> access</c> fed communities. org to access fed communities. org to access additional<00:57:51.520><c> articles</c><00:57:52.160><c> resources</c><00:57:53.000><c> data</c><00:57:53.720><c> all</c>

57:53

additional articles resources data all additional articles resources data all things<00:57:54.280><c> Community</c><00:57:54.680><c> Development</c><00:57:55.240><c> from</c><00:57:55.440><c> across</c> things Community Development from across things Community Development from across this<00:57:56.160><c> the</c><00:57:56.240><c> Federal</c><00:57:56.599><c> Reserve</c><00:57:57.039><c> System</c><00:57:58.039><c> and</c>

57:58

this the Federal Reserve System and this the Federal Reserve System and don't<00:57:58.400><c> forget</c><00:57:58.640><c> to</c><00:57:58.839><c> subscribe</c><00:57:59.240><c> to</c><00:57:59.359><c> our</c> don't forget to subscribe to our don't forget to subscribe to our newsletter<00:58:00.200><c> by</c><00:58:00.359><c> clicking</c><00:58:00.680><c> the</c><00:58:00.839><c> about</c><00:58:01.119><c> us</c><00:58:01.400><c> tab</c>

58:02

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58:04

on our website and then you can click on our website and then you can click subscribe<00:58:05.359><c> um</c><00:58:06.359><c> and</c><00:58:07.119><c> follow</c><00:58:07.440><c> us</c><00:58:07.599><c> on</c><00:58:07.799><c> social</c>

58:08

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58:10

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58:13

Instagram and Facebook and finally U Instagram and Facebook and finally U mark<00:58:14.000><c> your</c><00:58:14.280><c> calendars</c><00:58:15.000><c> we</c><00:58:15.119><c> do</c><00:58:15.319><c> have</c><00:58:15.440><c> our</c><00:58:15.599><c> next</c>

58:16

mark your calendars we do have our next mark your calendars we do have our next connecting<00:58:16.559><c> communities</c><00:58:17.119><c> webinar</c><00:58:17.559><c> happening</c> connecting communities webinar happening connecting communities webinar happening on<00:58:18.119><c> August</c><00:58:18.480><c> 8th</c><00:58:19.319><c> more</c><00:58:19.599><c> details</c><00:58:20.039><c> and</c>

58:20

on August 8th more details and on August 8th more details and registration<00:58:20.799><c> information</c><00:58:21.280><c> will</c><00:58:21.480><c> come</c><00:58:21.799><c> out</c>

58:22

registration information will come out registration information will come out soon<00:58:22.720><c> for</c><00:58:23.079><c> that</c><00:58:24.000><c> um</c><00:58:24.160><c> so</c><00:58:24.359><c> thank</c><00:58:24.520><c> you</c><00:58:24.680><c> all</c><00:58:24.960><c> again</c>

58:25

soon for that um so thank you all again soon for that um so thank you all again speakers<00:58:25.720><c> thank</c><00:58:25.880><c> you</c><00:58:26.200><c> all</c><00:58:26.359><c> so</c><00:58:26.559><c> much</c><00:58:26.839><c> attendees</c>

58:27

speakers thank you all so much attendees speakers thank you all so much attendees thank<00:58:27.599><c> you</c><00:58:27.799><c> all</c><00:58:28.000><c> so</c><00:58:28.280><c> much</c><00:58:28.920><c> and</c><00:58:29.079><c> have</c><00:58:29.200><c> a</c><00:58:29.359><c> great</c>

58:29

thank you all so much and have a great thank you all so much and have a great afternoon