Thank you Robert for that kind introduction and for your leadership and dedication as CEO of Financial Industry Regulatory Authority (FINRA).  And thank you to the Stanford Center on Longevity and the FINRA Investor Education Foundation, for hosting this conference and for the great work that you do.  It is an honor to join with the many people in this audience who dedicate their lives to combatting financial fraud and protecting elderly Americans.  This is a noble and enduring effort.   
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