 It's a pleasure to be with you. I'm glad to get to your phone calls and emails in a moment, but we've got to talk about this. I remember decades ago when the Americans with Disabilities Act was passed at the federal level, and at least on paper it sounded good. Although these days, when I start to see government programs that sound good on paper, I always wonder how long is it going to be before somebody figures out how to turn it into a scam.