Thank you, Chairman Cotton, and thank you for being such a great partner in putting together this hearing on such a critical and important topic.

I think the component of all this--and it is like you can lead a horse to water, but can you get it to drink?

I could not agree more in terms of financial literacy.

I would urge you to impress the importance of this issue on your colleagues as a concrete kind of governance issue that can help rebuild the faith of the American people in our democratic system.

I wake up every morning thinking about the men and women in rural America, especially in North Dakota, who play hard, play by the rules, and try to earn an honest living and save for retirement--in fact, their golden years.

But, there is a critical role that our neighbor to the south plays, in terms of border enforcement.

there has been no one to come before this body and suggest that we need to build a concrete wall completely across the border.

Border security protects, not only this country, but has a way of protecting people to the south.

not one person has come in front of this Committee suggesting that we build a wall on the entire length of the border.

we would go a lot further if we actually just acknowledged that there are ways to secure the border other than simply building a wall.

I think we all understand Mexico is not going to pay for this wall if it gets built.

It is like saying we are going to fix problems with youth challenges simply with the housing program and ignoring education and health care.