With the addition of the latest Federal Negotiated Rulemaking, and the proposals related to Borrower Defense to Repayment, your GRC determined that it may be appropriate to color code information regarding various legislative and regulatory issues in order to help you easily identify them as you are reviewing our various forms of communication, the websites, and other forms of information sharing including AACS webinars. To that end, we will begin with new color IDs for the following major categories of legislative and regulatory issues: