Many of our panelists contributed to the volume; their articles give us a look at the issue from every angle, provide great insight, and offer promising solutions. And I would note that a number of participants and contributors are current or former members of the Federal Reserve Consumer Advisory Council (CAC).
The CAC has been instrumental in furthering our understanding of emerging consumer and community issues, including the topic that brings us together today. Finally, I would like to thank the Federal Reserve staff that worked tirelessly on this project.