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woman for five minutes thank you Mr chairman and thank you to our Witnesses for your service and being here today after that effort to blame the victim for fraud by Bad actors lets first go back to the Undisputed premise that the money appropriated by Congress including by nearly all of my Republican colleagues on the other side during the past two congresses was both life-saving and economic saving as we Face the worst pandemic in our history now as a prosecutor I prosecuted rampant mortgage fraud that resulted from the subprime mortgage crisis and we know there was docHub fraud arousing arising out of the tarp program following the 2008 financial crash but I was shocked to learn in preparing for this hearing that many of the coveted benefits or at least some of them were available based on a self-certification process am I correct Mr horos that that means that individuals could receive covet relief funds simply by docHubing their eligibility without any independent review tha