What can we do

to ensure that the state system is still robust decades from now that we continue to do what we're doing? So Kareem alluded to the trust initiative and I now, which is a working group that consists of about 10 commissioners and we've met about six times.

And so I'm going to have to look at this because I always forget what the acronym stands for.

That shows you how creative we are.

It is transforming regulation.

through united supervision for tomorrow.

And I think that sort of captures it.

How does that affect the state level on the regulatory side? Kind of talk about some of these big forces that are reshaping our supervision right now.