 You mentioned earlier that these programs aren't addressing the root causes of poverty. So what do you think are the root causes of poverty in the United States? I think there's three. First, we exploit the poor. We exploit the poor in the labor market, in the housing market, in the financial market. I mean, financial exploitation, just in fines and fees, like in overdraft fees, check, cash, and fees, payday loan fees, $61 million in fines and fees pulled out of the pockets of the poor every single day.