By 2015, the average age of an HIV patient will be 50.

Thank you, Mr. Chairman, for an excellent hearing.

Thank you.

Thank you, Mr. Chairman.

I want to also thank you for holding this hearing to examine the many challenges associated with an HIV/AIDS population that is aging.

Thank you.

I want to put this issue into a broader context just to illustrate how pervasive of problem it is.

I do not hear from anybody who has had a wonderful experience with Internet payday lenders.

Have you taken a look at any of the online disclosures that they have----

To me, most startling, the CFPB found that 22 percent of consumers secure these loans with public assistance or retirement income sources.

So there is not that kind of disclosure in dollars and cents?

Thank you very much, Mr. Chairman, for holding this hearing to examine the impact of payday loans on American consumers and for assembling such an impressive group of witnesses.

Is there anything that individual States can do to regulate online lenders that are domiciled outside of their States?

As Senator Collins pointed out, lenders in Maine must be licensed to make payday loans lawfully.

What the Bureau found is precisely what Senator Nelson and Senator Collins were describing

Change is necessary if we are to position the VA to meet its responsibilities and fulfill its mission in the coming years.

Due in no small part to the leadership of Senators Rockefeller and Snowe, the E-Rate program from its inception focused on providing high-capacity transmission services to libraries and schools.

I do want to acknowledge the bipartisan effort and support for the E-Rate Program by Chairman Rockefeller and Maine's original E-Rate champion, Olympia Snowe.