Central to our finance offerings, RILA is focused on engendering retail-like competition across the ecosystem, taking proactive steps to limit risks to brands, and removing barriers to financial success for our members. That includes advocating for policies that level the playing field for all businesses and serving as a resource as retailers navigate today's economic landscape and evolving regulatory requirements. We foster collaborative communities of retail leaders that share in those goals and who help inform our efforts in reaching them. In addition, we work closely with relevant government agencies including the Federal Reserve and Federal Trade Commission to ensure the retail perspective is considered in their decision-making processes.