 Well, Biden has made a lot of proposals to save ordinary people money, and he's been systematic about it. He talks a lot on the campaign trail about cutting insulin prices for seniors. He also talked in the State of the Union about getting rid of junk fees, which are overdraft fees and that sort of thing that can add up on a bank bill. Junk fees may not matter to very wealthy, but they matter to most other folks in homes like the one I grew up in, like many of you did. They add up to hundreds of dollars a month.