The 2021 Diaspora Remittance Survey revealed that the purchase of food and household goods, medical and education expenses, rent, and household utilities constituted 49 percent of remittances. This indicates that the huge reservoir of human and financial capital that represents the diaspora remains largely untapped. The diaspora should be an important bridge between the host and the home countries.
*  *  *  Introduction My thanks to the National Conference of Insurance Legislators (NCOIL) for inviting me to speak to you today, and special thanks to my former senator, Cal Larson, for being my host.