 economic stress impact our low-income communities the most. And so this is a, as we detailed in our report, right, that this is an opportunity to put money back into the pockets of Californians on average $1,300 a year, which can go a really long way. Rapsilber also said the study shows that a public banking option would help low-income Californians keep more of their money, which they would spend, and that would boost the economy.