Catherine Cortez Masto actually said...

there is so much--and I thank you for the panelists--work that needs to be done in Puerto Rico

I was hoping that you could respond to some of these criticisms and talk about the features of the State-based option.

There is nothing wrong with more choices for individuals to decide how they want to participate in a retirement plan.

We need to do more. There needs to be more financial literacy. There needs to be more outreach.