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Good morning, everyone. My name is nirra tanden president and ceo of the center for american progress, and im really honored to be joined by our esteemed Commission Members for the new report from the Inclusive Commission a commission convened over a year and a half ago. Im very honored to be joined by our cochairs, dr. Larry summers, former treasury secretary, and ed ball shadow chancellor of the exchequer for the u. K. We convened this commission because we at cap are very focused on the challenges the middle class is facing in the United States, challenges of stagnating wages rising costs. ...

The idea was to similar late a cyber attack at the National Security council or cabinet level and see how the United States would react. Stuart baker who was always selling his book skating on stilts, which is a great book if you havent read it, who was playing the white house cyber czar started pounding on the table saying if the attorney general doesn have the authorities, should go and find the authorities four yearings late later, im not sure that weve gone and found the securities. But something has finally changed. The president pushing new proposals seems that maybe we turned the corner...

Stuart baker who was always selling his book skating on stilts, which is a great book if you havent read it, who was playing the white house cyber czar started pounding on the table saying if the attorney general doesn have the authorities, should go and find the authorities four yearings late later, im not sure that weve gone and found the securities. But something has finally changed. The president pushing new proposals seems that maybe we turned the corner and were going to see changes when it comes to Cyber Security. I know in trying to move it it took a cyber attack on a show to get thing...

Impossible to issue the kinds of dangerous products that were issued before. It has made our system safer. Thats not the problem. The question is for people who are getting mortgages applying for mortgages that are straightforward, englishlanguage document mortgages with fees and charges that are clear and cost that they can afford are the credit standards so tight that people who are creditworthy or not getting credit. We are very much of the view that people who are creditworthy should have access to credit and we are opposed to the idea that we should go back to loosening the rules to allow...

And theres some wonderful programs around the country, about 30 of jobs by 2018 will require some kind of technical training. So im establishing a Deficit Neutral Reserve Fund to advance this priority, and i believe both senators baldwin and portman are cosponsoring. I dont see any rebuttal. There is a vote in progress. So well recess now until 1 30. At 1 30 well begin the vote process. You can go and vote, get some lunch. For republican senators, were going to meet in the ante room out here at 1 00. Recessed. [inaudible] [indiscernible] [captioning performed by the national captioning institu...