concrete steps to support dwa. director employers sponsor program in 2017 payday lending role director issued an advisory explaining certain programs are simply not credible. ipa agrees with both manager in maintaining dwa products are not loans or credit products and therefore they should not beth subject to the loans. natural health networks report in dwa found consumers and financial distress considered title, payday or loans as options. the averagege cost for each transaction ranging from $2.39 to $6.20. the report makes it clear dwa is far less costly for other options. you can be a has grown in popularity because it's safer, cheaper and more efficient alternative to other short-term products on the market. providers do not impact credit ratings and they do not share information to credit reporting bureau. dwa is offered with no recourse and providers have no rights against the user in payments, loss of employment, closed accounts or blocked payments. these are non- recourse transaction whichlo means risk f lo

dwa, we have fair and honest elections, and i want to make sure people understand i will walk the line of integrity to make sure we have fair and honest elections. >> the committee itself and its efforts has come under attack from republicans on capitol hill. do you support the efforts of the select committee to get at this, to get at the extent that trump went to overthrow the election and his role in motivating the attack on the capitol? >>> i think if we have an open and transparent process, people look at the information. i don't think we want to minimize it. we want to look at what the objective truth is. the fact that president trump did not carry the state of georgia. i can talk about that because that's my job. it's not other states and what happened in washington, d.c. we all watched what happened on january 6th and people can draw their own conclusions. so i think that the work they do, i hope it's solid work and we'll see what their report says at the end of the day. i want people to understand that in georgia, 28,000 people did not vote for anyone for president. they skippe

and you can see in the future, you can see a worker or employee thinking somebody say doesn't have dwa and company b doesn't so i'm going to go to the company that has the twa options. >> maybe for the families of people are attracted to certain service industries that are to have a third i used to work at an applebee's or in olive garden, he walked away at the end of a shift with money in your pocket but it gives other employers the opportunity to directly connect to work and labor provided by an individual with that payment. let me shift gears, concern would be what happens if an employee pulls the money forward and for whatever reason, they leave the job, would they be on the hook for the money pulled forward? >> the employer, productive at present. >> no recourse products especially within the framework developed. >> there's no risk to the employee they will be on the hook for pulling a wage forward? >> no, similar to buy now pay later, 97% recoveryre reported s well as the financial health network. >> that is important and you and i know but i don't think everybody fully appreciat

the single worst problem caused by the border policies, a problem which dwa r fs the problems we are talking about today, flash back to 2013, and in that year, china began mass manufacturing elicit fentanyl to get a foothold in the u.s. markets. we saw the results of that begin to emerge when heroin related deaths began skyrocketing. that was the paradigm shift by the salient point for today's meeting is what happened near to our southern border in 2018 and what was that. it was china's decision under u.s. pressure to cease all fentanyl manufacturing. until they began mass manufacturing the precursors for illicit fentanyls and that opened the door for the world's greatest illicit drug marketers in the world, who were never considered leading opioid manufacturers previously. those experts immediately recognized that recreational pill use in the u.s. was a diffuse market which would increase their market share by orders of magnitude. powdered illicit opioids used by those with severe substance use disorder is a market of approximately 3 million users at the very highest. those who used