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thanks Jeff um Iamp;#39;m going to introduce we have a really great panel for you today with a lot of deep expertise in financing particularly so weamp;#39;re going to talk about how we can come up with solutions to this problem weamp;#39;ve been discussing all morning Iamp;#39;ll start with Donald Cohen on the end he is the director of in the public interest theyamp;#39;re a group that researches public-private Partnerships or p3s and they their focus really is on protecting the public and getting information out to taxpayers and policy makers next is Sharon Hendricks she is um board Vice chair at the California State teachers retirement system and sheamp;#39;s also a professor and Union Leader with the Los Angeles Community College District um next we have Aaron Klein he is formerly with the treasury where he helped craft the Dodd-Frank Wall Street Reform Act and he works with a bipolacy bipartisan policy Institute and on financial regulatory reform unless we have Joe misak he