>> Hello, everyone and welcome to our webinar today. My name is Miranda Kennedy and I'm the director of the ABLE National Resource Center. I'd like to start off by thanking all of you for joining us today for our September spotlight webinar on ABLE programs. The title of today's webinar is "Investing in a Bright Future: ABLE savings accounts, possibilities and progress," presented by ABLE Collaboration. Our presenters today will be providing information and strategies to help you, your family member or the community that you serve to make the most out of ABLE. Today's webinar is brought to you by the ABLE National Resource's sponsor, Prudential, and we would like to thank them. Let's go ahead and go to the next slide and share with you some information about the ABLE National Resource Center in case this happens to be one of the first webinars you've joined us for. And if so, welcome. But just quickly a little bit of background on the ABLE National Resource Center, we are the leading comprehensive source of objective, independent information about federal and state related ABLE programs and activities, including guidance on tax-advantaged ABLE savings accounts. Our mission is to educate, promote and support the positive impact that ABLE can make on the lives of millions of Americans with disabilities and their families, those of you who are listening here today and those who may be serving as well. Our pioneering work in this area and subject matter expertise makes us the foremost authority on topics related to the Achieving a Better Life Experience or ABLE Act, ABLE account, state ABLE programs, ABLE-related policy developments and comprehensive integration of ABLE and financial capability strategies for people with disabilities into public service delivery systems. Our website is ablenrc.org and I encourage you to check that out if you have not done so already. An important note to make here at the beginning of our webinar today is that the ABLE National Resource Center does not open ABLE accounts nor manage the state ABLE programs. However, we do work collaboratively with them, as you'll see in today's presentation. And with that, I'm going to be handing things over to my colleague, Al Milioto, who's going to be taking a few minutes to walk us through some webinar logistics on our new Zoom platform, so Al.

>> Thank you, Miranda, and good afternoon. Listening to the webinar. The audio for today's meeting can be accessed using computer audio or by calling in by phone. If you select Computer Audio, please make sure your speakers are turned on or headphones are plugged in. If you do not have sound capabilities on your computer, or if you prefer to listen by phone, you can dial in to 1-929-205-6099. The meeting code for today's event is 506-920-343. Captioning. Real-time captioning is provided during this webinar. The captions can be found by clicking on the closed caption icon in your Zoom control panel at the bottom of the screen. If you do not see captions after clicking the button, you can alert us via the chat box. You can also view captions in your browser at the following web address, streamtext.net/player?event=NDI. Submitting questions. Please use the Q&A box to submit any questions you have during the webinar. Try not to use the chat box because we try to monitor only the Q&A for questions and we will try to answer all of your questions during the webinar. Please explore the ABLE National Resource Center site for any answers to any questions that weren't answered during the webinar, and for many additional webinars, resources and our newsletters. Again, our website is www.ablenrc.org. Technical assistance. If you experience any technical difficulties during the webinar, please use the chat box to send me a message and you can also email me directly. My email address is amilioto@ablenrc.org. Please note this webinar is being recorded and the materials will be placed on the ABLE National Resource Center website along with all of our other ABLE webinars at ablenrc.org/webinars. And with that, I will turn things over to Miranda.

>> Great, thank you so much, Al. I want to mention, you know, the Q&A that Al was talking about and if you have questions, please, put those into the chat-- into the Q&A throughout the presentation. We're going to have our colleagues here at the ABLE National Resource Center, Laurie Schaller and Marlene Ulisky, who are subject matter experts on all things ABLE. So they'll be responding to questions as you may have them over there in the Q&A box. And we will also be taking any questions that are programmatic in nature, and saving them towards the end and asking them of our presenters here today. So you have a lot of support there. Again, my name is Miranda Kennedy. I'm the director of the ABLE National Resource Center. And I'm joined today by three of our presenters, David Bell, Kelly Nelson, and Peter Tassoni. And I'm going to tell you a little bit about each of the three of them, and then give you a little bit of background about the spotlight webinars, and then hand things over to David and we'll get started. So let me tell you about our presenters today. David Bell is the Deputy Director of the Oregon Savings Network, a division of the Oregon State Treasury. The Oregon Savings Network oversees the Oregon ABLE Savings Plan, ABLE for ALL Savings Plan, Oregon College Savings Plan and a new state retirement program, Oregon Save. Kelly Nelson has worked in the field of disabilities for more than 30 years. And she's with the Maryland ABLE Savings Plan. She has served in many roles supporting people with disabilities and their families through advocacy, education and connecting them to vital resources within their community. As a parent of a child with disabilities, Kelly is passionate about helping her daughter to become a confident self-advocate, as she pursues her goals of working and living independently in the community. As the outreach and communications manager from Maryland ABLE, she is delighted to have the opportunity to connect with many people with disabilities, their families and the staff that support them as she travels throughout Maryland educating people about the benefits of having an ABLE account. Through her outreach endeavors, Kelly is excited to see how her work with Maryland ABLE is helping to promote personal choice, independence and economic stability for people with disabilities. Peter Tassoni is the state administrator for the Washington State ABLE 529A and DDETF special needs rust programs. The two programs have over 3,500 participants and $75 million in assets. Peter has a son with a developmental disability. So that's a little bit of information about our presenters here today. Let's take a look at our agenda to see what they'll be covering with us. So I will be providing a brief background introducing the ABLE NRC's Spotlight Series on ABLE Program, the setup for what we're doing here today. And then we're going to be walking through with our presenters. They're going to be helping us become familiar with the mission of the ABLE Collaboration which they are a part of. Learning about the partners involved in ABLE Collaboration, who the ABLE Collaboration is serving and how, you know, the people and the features and exploring, you know, in further depth those program features that you are probably very interested in. And we're going to have a lot of good details in here about that. And then we'll be taking some time for questions and answers. And I understand from our presenters that they built in plenty of time for that. And it is also why we put the webinar in a 75 minutes instead of just an hour, so that if you have questions, we'll have some space and time here at the end to cover those. So, going to the next slide, let's briefly talk about what is the ABLE National Resource Center Spotlight Series. Throughout 2019, we've been conducting our series of ABLE program spotlight webinars. We started doing this last year. We find it to be very helpful. These webinars, they're intended for those who already have a basic understanding of ABLE, and it's why we would have put the links to the two roadmaps in the invitation link to today as well. In case, you aren't that aware, you can get up to speed. On these spotlight webinars state ABLE programs that are a part of either multi-state collaborations, as well as individual states programs that are open nationally are being highlighted. And the goal is to provide programs specific information and details as well as general guidance and practices. Best practices, I should say. Each program spotlight will also cover the range of investment options offered. We wanted to put a focus on this piece in particular around investment because the investment choice is offered in choosing an ABLE account or making adjustments to an ABLE account over time is an often confusing aspect of the ABLE program and ABLE accounts for individuals who want to make the most of their ABLE account but maybe new to the concepts of investing and saving and the ability to do that. Our hope here is to help pull back the curtain, provide some more information and transparency around investments made through your ABLE account and give some general guidance, strategies, best practices to consider, to make the most of the investment component of your ABLE account. And I understand Peter is going to be helping us do that towards the end. So, if we go to the next-- what we see here, just to let you know, the upcoming spotlight we have at the end of the year is going to be in November, we're going to be spotlighting Fidelity's Attainable Savings Plan, doing a spotlight on them and their Massachusetts program. And we'll have a whole new series next year. OK. With that, let's go ahead and take a look at just quickly the roadmap to ABLE. We're providing this here for those who may need more of a general information. There's resources on our website, and those are referenced here. For those who need more basic information, we have our roadmap to enrollment that covers questions such as what is ABLE? Who's eligible? How can funds be used? How do I manage my account? And how do I enroll? So each of those steps have, you know, a brief description and information and resources as well as a short video covering those topics. For those who are account owners who have enrolled, we have our roadmap to independence, which helps you understand how to set financial goals, build a circle of support, make smart financial decisions, monitor your ABLE account and celebrate your financial independence. These resources are all, also available in Spanish. So that's some background information in case you have those kinds of questions that we won't be covering in detail or presenting on. We may be referencing throughout today's webinar but this isn't a training on those pieces. But we have that information for you. So let's go ahead and look at the next slide. Here we show a map of our-- of all the 43 ABLE programs that exist. The 42 states in DC that have opened ABLE programs, many of them are open nationally, such as the ones we're going to be talking with here today. We also have, you know, we encourage you to join our mailing list. This may be how you heard about today, but if you haven't hop on our website and sign up for our mailing list and our lists, so you'll get great important updates moving forward. So let's go to the next slide. And here I see this is where I pass things off to David, though, the deputy director of the Oregon Savings Plan, and you know, many of those other plans that were mentioned in his bio. So David, I'm going to hand things over to you to get us started and tell us all about the ABLE Collaboration and investing in that bright future.

>> You bet, Miranda, thank you so much. Thank you for everybody on the webinar today. I'm sure there's a whole wide variety of individuals that are listening in today. And we hope that this is relevant for everybody. Some of us listening in today, ABLE might be something brand new. So we hope we provide a little snapshot on what these savings plans can provide you across the United States. I'm sure some of you have a good firm grasp on what ABLE can provide but are interested in finding the right plan for you. We really hope that we speak clearly to you as well today. And finally, I am sure there are those experts out there. Just making sure that they stay at that expert level, which is amazing as well. We're hoping that this is information that's relevant to everybody. Just a high level overview for everybody on this call, I want you to know that you may have listened to previous ABLE National Resource webinars put on by other types of collaborations and states, I want you to know that as a holistic group, we all work really closely together to make sure that that our ABLE plans are serving you, the individuals that need them and want to utilize them. So we're going to be speaking very specifically about a few states today that are part of the ABLE Collaboration. But we work really closely with all of the states to make sure that these savings plans work for everybody. So, utilize the website there at the ABLE National Resource Center. We drive everybody that we talked to, to that website because it's a holistic picture of what ABLE can provide, what to expect with it, how it works. But it's also a very non-biased look into what the different ABLE states offer. There's a lot of similarities to the ABLE plans, but there's some very unique differences as well. And we're going to really focus on some of those differences, to make sure that you have the ability to make the best decision when you're looking to utilize an ABLE plan. So today we're going to talk about the ABLE Collaboration. And let me explain how this came about. I think it will be helpful for us as we're continuing the discussion for the rest of our time here together. Early on, when ABLE legislation passed, federally, states started coming together to find the best way to make sure that we can establish these savings plans. The disability community worked for close to a decade to pass the ABLE legislation. Once that was passed, it allowed our states to pass our own state legislation and establish these plans. And we wanted to make sure that we did this right. So the states got together, you'll hear later about how the ABLE Collaboration states ensured that they got together with people who experienced disabilities themselves, nonprofits that support the disability community state agencies outside of ours to make sure that we truly set these plans up in a way that was going to be a supportive resource for the people that are utilizing ABLE to save. So, many states at the very beginning started to set up plans on their own. Oregon was one of those. Ohio was one of the first states to launch their savings plan in the middle of 2016. Oregon launched our savings plan towards the end of 2016. And we soon realized that it's a lot of work to launch these plans. And it takes a lot of resources to do so. And so if there might be a good opportunity for us to not always do these alone, Oregon and Ohio and Virginia and a few others, Florida, were able to set those up on their own. But if you don't have to reinvent the wheel, if you don't have to start from the very beginning, each time for a state to establish a savings plan, an ABLE Savings Plan, that might be the best method to move forward. And so early on, there were a couple of different models when it came to states working together to set up savings plans. And the reason why the ABLE Collaboration came to fruition is because of the other two collaboration models worked extremely well for a majority of states. What we heard though, the state of Oregon heard pretty quickly on is that there was a unique set of states that needed something just slightly different. And we started to look at ourselves and the work that we do and the group that we work with called Sumday. That's our banking partner in this whole model, and found out that, you know, maybe we can fill the void for those few states that need something a little different. And what those states were looking for, was the ability to set up their very own savings plan, their savings plan that was tailored to individuals in their own state and in their region, and yet not put up all of the upfront costs and all of the work that some of us states had to do that we're doing this on their own. And so, from all of that research and work we came up with the ABLE Collaboration and that's what you're going to see here today. So, if we can go to the next slide. The ABLE Collaboration is a pretty small group of states, but very like minded states focused on making sure that our savings plans adhere to all of the federal and state legislation and regulations of course, but that we take this to the nth degree to make sure that these savings plans work smoothly, efficiently for the person that is saving. And so you're seeing the savings plans that are part of the ABLE Collaboration currently. There are some potential opportunities for the collaboration to grow. But here's who we're looking at right now. So we have the Oregon ABLE Savings Plan. As I mentioned, we established a savings plan at the end of 2016. ABLE for ALL Savings Plan, which you see in the bottom right-hand side of the screen. That is also Oregon's plan, but that's our national plan and we partner with Washington State on this plan. So, if you're an Oregon resident and you like this collaboration, you'd be opening up an Oregon ABLE Savings Plan. If you're somebody that lives outside of Oregon, Maryland and Washington, or at least Oregon, Washington and you're interested in this type of plan, you might look to the ABLE for ALL Savings Plan. Maryland is open to any resident throughout the United States. And then the Washington State savings plan is open for Washington residents. And then they utilize ABLE for ALL for national. All I'm saying here is, all four of these plans right here are going to be very similar in the way they look and feel, yet they are tailored to the specific states and ABLE for ALL is a National Savings Plan. So we came together with the same group, we all work with a group called Sumday, which is a subsidiary of Bank of New York Mellon, to make sure that there are partners, to make sure this works smoothly and collaboratively in a way that is going to best serve the end user. So today, what we're going to do, as I mentioned before, is go over some of the features, some of the different aspects of what makes the ABLE Collaboration just a little bit different from some of the other great ABLE Savings Plans outside of the collaboration. If we could go to the next slide. I'm about ready to hand this over to Kelly from the Maryland ABLE Savings Plan, but before I do so, I just want to frame out our discussion for the morning. As I mentioned, we really want to focus on what makes us a little different. And in doing this, and really kind of highlighting the areas where we are a little different, it came down to our overall mission to support the end saver. All ABLE Savings Plans want to do this, but what I wanted to do is how I highlight how the ABLE Collaboration and our ABLE states do this. And we do this through five main categories. We do this through the partners that we work with, not only when we are establishing each of our ABLE Savings Plans to make sure that we got it right. But in the partners that we continue to work with, to make sure that new enhancements to the plan are correct, that we're communicating properly and more, the people that we work with, not only the actual staff members from the state, but the staff members from Sumday's group and the ambassadors we work with and many more. It's something else that makes us different. We're also going to talk about the accessibility and how we've worked really hard to make sure that everything that we're doing is communicating to the end saver, because it's the end saver, who is the account owner in these cases. Not to someone who's going to help manage that program for them, although that might be a very, very important if that's part of the process. But we really want to communicate to the end saver. We're also going to talk about key features. And this is a big part of this presentation, because we've wanted to make sure that all of the features of the savings plans really work for those that needed the most to give them access to the funds that they're saving whenever and wherever they need it. And lastly, I just want to mention how involved we are in policy. So I'll cover a couple of slides on federal and state policy that we really focus on as a collaboration to make sure that these savings plans not only work well for who is open for today, but we're expanding that moving forward in the future. And so with that, what I'm going to do is I'm going to hand it over to Kelly, for her to go over a couple of these areas of our work that we are-- that we're making sure that we're pushing forward on. So Kelly, over to you.

>> Thank you, David. And that was such a helpful overview of what we're going to cover today. And I especially appreciate that discussion you shared about how our programs came together to be the collaboration that they are, that was so helpful. Thank you. So, you know, as David shared with you, the ABLE programs and our collaboration are really just a few years old with Oregon launching in 2016, followed by Maryland in 2017 and then Washington in 2018. We all started off with relatively small staff to cover a very large area. And we realized really early on that we were going to need help, we're going to have a lot of help to get the word out. And it was our partners that really helped to fill this vital role. And as you can see on the slides, there's just-- we've listed just a few of the many, many organizations that our programs have partnered with. And as you look at them, you can see that these partners represent people from many disability groups. We are so very grateful to our partners because they've helped us in so many ways. And the first thing that comes to my mind when I think about our partners is that they have really helped us to shape the features of our program. And by that, what I mean by that is that while the ABLE Act lays out the guidelines for ABLE programs nationwide, things such as the eligibility criteria, the account management and the annual contribution limits for the year, and so forth. It also provided states with the flexibility to create some features that were very specific to the individual state ABLE programs, those were these things such as our, you know, our account fees, the types of investment options that we offer, whether or not we were going to offer a debit or credit card, things like that. And, you know, this partnership that we have has been just very, very valuable to us because it gave us the opportunity to gather input from our stakeholders. When we designed our programs, we really wanted to hear from the people who represented all types of disabilities and from all age ranges as well. And our partners were instrumental in helping us to connect with people with intellectual disabilities, autism, Down syndrome, I mean, just everyone was at the table, people with mental illness, the deaf-blind community, we really wanted to hear from everyone and have them at the table. And we are very grateful to the input of our partners and their stakeholders because it helps to-- you help us guide our programming, creating features that really reflected the needs and the desires of our individual communities. So for example, here in Maryland, when we were able to connect with our partners and their stakeholders, what they told us was most important for them, was to be able to keep our program fees low, and also keeping our investment options simple. So that's just a, you know, a real practical example of how our partners have helped us to develop our program. I know Oregon put together a work group that consisted of, you know, our partners, disability, nonprofit organizations, government agencies, and people with disabilities themselves. And they were asked to take a look at all the marketing materials, also to make suggestions for any additional training. We just really-- They really wanted those folks to help make sure that their program had all the tools that they needed to succeed. So, I know-- I think I speak for every each everyone in our program when I say that the partners have helped to ensure that our programs were definitely designed by the communities by which they were served instead of being designed in a silo by our state governments. And I think we're all very proud of that, because it makes our programs unique to our community. Another important collaboration that we have with our partners is the fact that they help to promote our programs. And they do this by sponsoring events. They provide venues for us to be able to present information sessions to people. They also included at their outreach events. For example, here in Maryland, we partner with Pathfinders for Autism. And Pathfinders does these amazing of family events such as the sensory night at the National Aquarium and, you know, at the Science Center, they have all these great events for families to come. And they always invite Maryland ABLE to set up the table. And it's such a great opportunity because we're able to spend time talking with these families in a very fun, family-friendly environment. And you know, regularly when we're included in these types of events, it really has helped us to build a relationship with the autism community here in Maryland. And I don't know, it might be my imagination, but I feel like they look for us at their events and they recognize us, they come up to us with questions. And it's just really great to be able to content-- you know, connect with the same folks and build that relationship. Other ways that our partners help us to promote our programs is through their newsletters. They are always so great about making our materials available at their events, and also in their offices. They make sure that their staff are well informed about how ABLE accounts work, so that they can pass that information on to the people that they support. And I really appreciate their commitment to making sure that their staff are well-trained because we want them passing on accurate information, especially when a program is relatively new, that's really important to make sure we're sharing the correct information. Our partners also help to connect us with groups of people who may not even realize that they may be eligible for ABLE accounts. You know, for example, our partnership with Naomi, that's really been helpful in learning that people with mental illness, they don't often self-identify as having a disability. And therefore they-- many people didn't even realize that they may qualify for an account. So that partnership was really helpful in that way. You know, just simply said, I just have to say that our outreach would not be as wide without our partners. It just made sense for us to form partnerships with organizations and agencies that have been providing resources and supports to the disability community. They've been doing this for years and they've really just already established trust within the community. And having them help promote ABLE accounts has really helped us to open a lot of doors that we wouldn't have been able to do besides, you know, do on our own. So, a big thank you to our partners. OK. I think we can go ahead and go on to the next slide. We'll talk about-- start talking about some of the people. And here we are, the next group that we want to talk about, are the state agencies that offer disability support services. And these are organizations such as the Developmental Disabilities Administration, the Work Incentives Network, the transition offices for our public schools. These agencies, they play a very similar role as our partners and that they help connect people to ABLE programs. They've just been very instrumental. These state agencies are often the frontline of communication. When you think about it, it's the benefit counselors, the service coordinators, the transition specialists these are the folks that provide information and resources to people with disabilities in their families. And I know that we've all made a very big effort to build relationships with these state agencies, and to work with them to make sure that they have our materials on hand to share with the people that they support. And we make ourselves available to provide training to their staff, to ensure that they are equipped to pass along accurate and up to date information about ABLE accounts as well. OK. I think we're ready for the next slide. So our state collaboration, as we've talked about before, it really values the connections with many of the nonprofit organizations are the ones that you actually probably get seen in our partner slide. These are folks that provide support to the disability community. And as you can see on the slide, we've listed just a few of the many wonderful organizations above like Special Olympics, the National Down Syndrome Association, the ABLE National Resource Center, these organizations, they just provide a host of valuable resources. For example, the ABLE National Resource Center as Miranda explained to us, they provide webinars, there's some awesome tool kits, just lots of information about important legislation and things that impact ABLE accounts, how to best use the ABLE accounts. And we've partnered with many of these nonprofit organizations to help us in our outreach efforts. All right. And we're ready for the next slide. OK. Well, I cannot go on without mentioning the dedicated ABLE ambassadors and staff and our customer service team, and the role that they play in helping people with disabilities to learn about the many, many benefits of having an ABLE account. Our customer service team, if you let me brag about them just a little bit, they do a great job in assisting customers by answering questions about the program, as well as providing technical assistance in walking them through the enrollment process, and answering questions about account management request, you know, how do I make this transfer? How do I get my money out of the ABLE account? How can I process this deposit? They're just really great about that. And not only have they been trained in all the aspects of the program such as the eligibility and features and benefits, they've also received additional training on how to assist people of varying abilities. We've been very intentional also about hiring staff and ambassadors who are also people with disabilities, or who are authorized legal representative on the ABLE accounts, because it's these folks that have the firsthand knowledge on how to make the best use of an ABLE account. So we kind of refer to them as our topic area experts, because they're using it, they're actually the users. And we feel that when we have an actual account holder, or an ALR talking to people at our resource fairs, or giving presentations, there's just a-- there's an instant rapport that occurs and that's just really because they're walking a similar journey and it just builds a natural trust. And I know just speaking from personal experience, one of the very first things that I do when I am talking with folks at a resource table or doing a presentation, I let them know that I'm also a parent of a child with a disability. And I just really feel that there's an immediate connection that we share. And just a little shout out to parent groups everywhere who are also so helpful in helping us to spread the word about ABLE. There's such a grassroots, people group, I tell you, they're so effective in spreading the word and teaching people about how to access our ABLE programs and how they work. And they're just overall, in general, just really great in helping each other, helping parents to navigate the journey. Another example we have here in Maryland is we've just recently hired another one of our ambassadors. His name is Jason and he is going to be reaching out to our veteran community. That's one of the goals we have this year is really to do a better job at reaching out to our veterans. Jason is a veteran who also has a disability. So again, there's just that natural rapport that occurs because he understands the unique lifestyle of people that are in the military and also sometimes the challenges that they experienced when they have to exit their career in the military due to a disability. So, that's been really, really helpful. I'll check, I think we're ready to go--

>> Is it OK if I jump in here for a moment? This is David Bell. I just want to make sure everybody-- and I don't think Kelly would have done this herself, but this is a picture of Kelly right here and she's obviously worked tirelessly, going around the stage sharing information. But just the reason why we're highlighting so many of these slides around people and organizations and partnerships, once again, it's just to show that we didn't want to do this on our own. We didn't want to be in a vacuum here and think that we could get this right. The reasons why Marilyn hired Kelly is because she is an expert in this because she has to navigate this with her daughter and all of the intricacies of helping to support someone who experienced the disability and the many resources that are available out there. And so, Kelly is an absolute gold mine of wealth of information, and helps share that not only in Maryland but with the other savings plans. So we bring that to the table to share that with all savers. And if we could go back one slide, and I want to make sure people get a chance to really meet some of the people that utilize these ABLE plans. This picture here is a picture of Daniel. He lives in Portland, Oregon. He's one of the early ABLE savers and he uses his ABLE account to help fund his passion of photography. So he just recently graduated from high school. At the high school, he'd spent a lot of time working with the photography and film department there. And he now uses his ABLE account to help fund the work that he's doing for his passions, but also general work that he does when it comes to the photography and the things that he loves. And if we can go back one more slide, I think it's so important to really highlight the people that are utilizing these plans. This is Ashlyn [assumed spelling]. Ashlyn is an absolute firecracker. She is an amazing individual. She was also very early on-- open up an ABLE savings plan. What I love most about Ashlyn is, is she is-- has no fear. She will call me up on a regular basis to tell me what we're doing well, but more importantly, to tell us what we're not doing well or what we can improve on. And we take that and we make changes. There are actual aspects of our ABLE savings plans that are different because Ashlyn called up and said I think it should work this way. Why can't you do this? And so, we work really closely with the people that we serve, with the organizations that support the disability community. And that's why we feel like the people are so important. And for those of you that are listening, it might be helpful for you to see how we work together to make sure that these savings plans are unique and work well for them. So thank you, Kelly, for letting me jump in. I'll let us move on from here.

>> Absolutely, David, and thank you for those great stories. I just-- I love hearing from actual account users, and things that they're saving for-- things that they're saving for, because it's like, that's why we're all here and doing what we do. So thank you for that. So before we launched our programs, we were very intentional about developing our program materials with the saver in mind, just like David has mentioned earlier, it really is all about the end user, which is our account holder. We all operate from the assumption that it's the account holder himself who's going to be using our website or the account holder herself who's reading our materials. So we worked with our program manager to make sure that all of our information is accessible to as many people as possible. We went above and beyond the ADA standards to make sure that our website, our forms, our marketing materials, basically all of the physical materials that people would be reading would be accessible for people with screen readers and just all sorts of accessibility issues. We wanted to make sure that they just worked and they could access the information. Our website, for example, and even our logos have been checked against the ADA color standards to make sure that the colors work for people with color blindness and other visual impairments. When we developed our PowerPoint slides for our presentations, they were also tested for ADA compliance to be sure that our slides that they had the right size text, that the colors were correct, that we don't merge images. You know, because when we give our presentations, we have, again, the saver in mind. And we want to make sure that these slides are as clear as possible. We also-- I did talk a little bit before about our customer service team. But this again, fits into our commitment to accessibility. And that is that our customer service team, not only have they gone through this full training on ABLE programs, but they also receive an additional two weeks of training on how to provide support to people of all abilities. So, you know, when I'm traveling around the state and I have this wonderful honor of being able to just really connect with account users and ALRs and what I'm hearing from them is that our customer service team does a really good job. They're very patient. They take their time with people. They provide some great technical assistance online, and we're just really proud of that. All right, we can go on to the next slide. OK. This is what we call the entity is ALR. This is really some exciting stuff here. But this process is really just a way to help people who are being supported by agencies to be able to have the agency serve as the ALR or the Authorized Legal Representatives, OK? So here in Maryland, we've had the honor of piloting programs with two of the arcs here in Maryland, and I just want to just share a little bit about one of the programs. We have the arc of Washington County that is a very large program. They provide support to many people, and they also serve as a representative payee for a lot of individuals, SSI benefits, OK? So they're helping out with that. As a matter of fact, there's 95 people that they are helping to monitor their SSI benefits. So this particular organization was very interested in looking at how they could have their organization be the representative payee on ABLE accounts, rather than having several different staff people serve as representative payees for these 95 folks that they were supporting. And it offers a couple of benefits to the agency. First of all, it's just a simplified savings and administration of those excess funds from the SSI checks, the monthly benefits, and it also solves for the challenges of a single employee serving as the ALR and having fiduciary responsibilities for a large number of people. And I just can't imagine what that is like when I think about trying to manage my own checking account and making sure everything is coming out OK. I can't imagine having to assist individuals 5, 10, 15, 20, 95 people and making sure that the money that's in their checking account or savings account does not exceed that $2,000. And having that responsibility of making sure that doesn't happen, so it doesn't jeopardize benefits. So this has been a really valuable tool to both service provider organizations and people with disabilities because the benefit to them is it gives them a way to be able to have a long-term savings vehicle. And also, the ABLE account is a great way to use it as a transactional account for personal funds that they receive over that $2,000. So, it's just been really helpful because they have the agency supporting them and helping to manage the ABLE account as well. So that is all the-- that's all the information I have about accessibility. I'm going to turn it over to Peter, and he's going to take us through the next set of slides.

>> Thank you, Kelly. Appreciate it. So this is Peter from Washington State. And I'm going to take you through a few slides on these features of our plans that the collaboration has put together. And I can only highlight a few things that make our plans unique. But I hope you'll find that instructional and I will get to what Miranda had hinted at earlier about spending some time delving into the investment options. And I'm going to actually show you-- walk in our talk, have some screenshots of our user platform. Showing what Kelly was talking about our accessibility, the way we design things, the way we walk through our program, and online features of it, a very simple, very easy to understand. And I think starting with the ABLE to Work is a good place to start because in December of 2017, Congress passed this tax bill that created the ability for account owners that had earnings from their work, to that they'll put in an additional amount to the $15,000 in annual standard contributions. They could put up to a little over $12,000 until now our programs had to make this change. And I really think, you know, to highlight the philosophy that we have kind of a grounds grassroots effort, you know. I don't know David has actually gave me a call or Daniel gave me a call, told you what they thought would be best to do or Jason and Marlene gave Kelly a call. But, you know, we worked with our Sumday partners and kind of create that shared back-end platform. And we want to make sure that the account owner themselves can designate the types of contributions specifically, whether it's an ABLE to Work or standard contribution. And that's what a simple check box, so the user platform. They just need to click as they're making a contribution. And that way you can really separate and you can track, so that the individual can see how much their ABLE to Work contributions are getting close to that 12,000 a little bit ceiling versus the standard contributions that maybe you have family members or friends or even employers chipping into, and that's at that $15,000 limit for each calendar year. And so that was a collaborative work with all our partners hearing from our account owners, the beneficiaries and making it work and I think in the long run, it's going to make it a lot easier to track those types of contributions. And if any account owner has to show the IRS or maybe a-- different contributions in the document. The other piece I really like about our platform is the next slide, is the gifting. So to me, the magic of ABLE is the ability to crowd source funds from family and friends in the account on their side circles. And Al, you can go ahead and forward the slide, if you don't mind. It's a-- Part of that, we rebuilt a very simple gifting platform, the beneficiary or the account owner ALR, which is the Authorized Legal Representative, can create, circulate friends, family fundraise for things like, for example, maybe a new assistive device, maybe money for a vacation, supplies needed at their place of employment, maybe modifications to their vehicle or their home. So essentially what donors can do is, they can use an ACH or an electronic funds transfer, you know, think online banking here. Paper checks or they can use their credit or debit cards to make these contributions. It's all linked from an email or social media message that they received from the account owner and beneficiary. So that makes an easy, I don't know, one, two-click way to get additional contributions into one's ABLE account. And it's a great way for-- yeah, let's say grandma wants to give a birthday gift to the beneficiary, but you don't want to get, that type of gifts that mess up the beneficiaries benefit systems, their programs and benefits. So through the gifting platform, to that page, it's really easy, email, click, go. You made a contribution and benefits the account holder doesn't mess up some of their other benefit plans. And so, I like this idea, this concept of using a GoFundMe campaign to share from the account owner to help people in their lives, in their circle, whether that's families, friends, employers, whatnot, to achieve an important milestone or celebrate that milestone or buy a service or a product that really helps improve and increase the quality of their lives. So the gifting platform I think it's really needs about our programs. The next slide is coming this fall. We've changed our prepaid card. So we're going to move to the True Link platform. And this True Link actually provides a really powerful portfolio of services that's offered with their card. And one advantage I see is that on this platform, it has changed the True Link coming this fall is that the card can be offered to the account owner and a different card offered to the ALR, that guarding the Authorized Legal Representative that's helping the beneficiary. And those cards, those two cards can each have different amounts. And those cards could be each used differently for qualified disability expenditures, but they're supporting that same beneficiary. So it's fantastic, an empowerment financial tools for people to use that our account owners in our plans. The second advantage is that this card is really designed for our community. For example, let's say we have an enrollee, an account owner that maybe is suffering challenges with mental illness, and they're fighting addiction behaviors, well, they can go into the prepaid card account platform and they can really-- they could turn off their ability to say let's buy tobacco products. So their prepaid card will not-- could be used to make those type of purchases. We're just helping them, you know, as they fight those addiction behaviors, or maybe those dietary challenges that the individual has and maybe going into their-- that prepaid card account, turning off the card, so that you don't-- maybe can't use a fast food restaurant, so you can avoid maybe a sugary drinks or foods that you need to avoid. And maybe it's gluten food. So, yeah, that True Link prepaid cards got a fantastic portfolio of services, from their online dashboard, see transaction histories that go five years, maybe even longer back and service supports from their service center that really, I think that our account owners and the Authorized Legal Representatives and family members associated with the account really enjoyed. In next couple slides, I'm going to really dive into the investment options here. And so, I know I've had a little bit of coffee. It's late in the morning here in Washington State, so I'm probably just speeding through this pretty quickly, but bear with me. We've got a couple of slides and really I'm going to show some screenshots of what our user platform looks like. And really a different philosophical difference of what the collaboration plans are compared to other plans from around the United States. So you'll notice on the slide there's-- we have four options, FDIC insured savings account for the cash, to conservative, moderate, aggressive investment options. And then on the table in that lower right corner is how we blended the eight mutual funds that we use to populate those three different investment options of conservative, moderate, and aggressive. And I need to kind of take a step back here and say, OK, well, why are we doing this differently? Well, as most of you probably know is that for the past 30, 40 plus years, the government's been telling people, you got to spend down any excess resources or you're going to lose your benefits. And maybe consequently folks that are almost, you know, condemned to be in this state of poverty in order to qualify for some of these services that need a very sophisticated financial investment or education or literacy is probably not as high as a lot of other folks may have. And so, we needed to really build a package that invested in education and tools to help account owners navigate these investment ladders. And so looking at this table, we have four options. Very quite simple, but it's unique to our plans as these are blended. And I know it's really hard to see perhaps on your slide, you know, because we had to essentially take a screenshot, put it on to the slides, lash it down a little bit, but if you're on our platform on our website, whether it's a tablet, you're doing it through your smartphone or your desktop, it would, you know, it's ADA compliant and successful, it blows up. It reconfigures. So it makes much easier to read. And the idea of this blended using eight investment mutual funds, the blend is we're kind of minimizing the risk and stabilizing returns for both up and down markets across all three of these investment options, which, you know, other states they only have a single mutual fund in their categories. The other states, they have up to like 14 options, which is just kind of like mind-blowing. So we just want to make it very simple. We did a lot of hard work for you, so that we can give you four options from the very safest cash option, which in our programs is the default option that you're-- as you're opening up your account that you're in and/or you can move to the conservative, to the moderate or the aggressive categories. And by phases, I really mean it's the lowest risks, perhaps the losing money. There is no guarantee that you will not lose money in any of these investment options. But we tried to apply the art and science of financial planning in our offerings to kind of minimize but I can't totally remove that risk. So for our programs, these are-- we have four options, cash, and then the three investment options. Moving to the next slide is where we start to see a screenshot from our user platform. And again, you know, these things are automatically reconfigured. So if you're on your own laptop or smartphone, it wouldn't seem as small. But I want to get back to that philosophy of redesigning a simple plan that's easy to understand in other snapshot. We're going to talk a little bit about how you allocate your money and the percentages and the option you actually choose. But I want to bring your attention to these two blue lines of tax on the left side of the screen towards the top and at the very bottom. So every step of the process of your enrollment into our program, there's always more information available to help you guide you and guide you through that decision of what you want to make. And so, you just click on those two links, they bring you up more information. And so as you get down to the bottom of the screenshot, you know, you're actually making your choice of how much you want to put in your cash allocation and how much you might want to put in one of those three investment allocations. You can go 100% all cash, or can you go 100% all conservative investment if you want in those two data fields down towards the bottom, where this one shows 75 and 25, or you can go 50-50 or you can go 100% and 100% on another. And down at the very bottom, you can select with that option to be aggressive, moderate, or conservative. So we're trying to make this really easy for somebody to learn about their options, lots of materials, whether that's either from the website, frequently asked questions to the plan, disclosure statement to the user interface itself. Now, I'm showing you here right now that has lots of information available to you, the account owner or you, the ALR, the Authorized Legal Representative, helping our account owner make those type of decisions and get those things out, get that money allocated in the saving plan portion that you want. So you could start bringing some money on that principle that you just put in. So we have two more slides, and this is slide, I think, six. The next one is really getting into that dashboard. And this is what really makes me excited about having almost folks helping us in designing these plans, designer interfaces, because essentially ABLE plans are online entities. You know, across the nation, you just can't walk into a brick and mortar bank or credit union and investment advisor and say, hey, sign me up for ABLE, I'll fill out the paperwork right here now. Instead, you have to go online and either fill out an online form or you can download a form and then fill it out and mail it in. And our forms are all readable. Your screen readers can read them. Our website is-- you can use it for different vision challenges. It works with for, you know, screen readers all that stuff. But the dashboard, this is what I'm really super excited about our system. So I'm going to walk you through some of the features on this site but this is-- whether it's taking money, taking withdrawals, moving money to the prepaid card, seeing investment earnings, changing your actual investment, option allocations or even if you just want to kick back and just watch your money grow over time, that dashboard does that really easily. Underneath, the Oregon for All Savings Plan icon, the logo and the words there, you can see there's a menu selection from overview, activity card, investments, transfers, settings. So you can always click on those. You get into a little bit-- on another menu, deeper dive. But really the first thing is that prepaid card on the left side, middle screen, $134.90 is the current balance. Well, if you click that button, you can-- with a single click, you can reload that card, you can make a transfer or withdraw of your ABLE account, put it on your prepaid card because maybe you're going to the bowling alley tonight and you need to pay for your lane, geez, in the bowling that you're going to do as part of your, you know, recreation. Great. So the other thing I like to point out is that the slider bar towards the upper right corner, the big green line there, that's your progress to date. I think our plans are really the only ones out there that I know that creates these-- the goal. You have an annual contribution goal and tracks as the months go by, how close you are to achieving that goal. And then in the circle, there's a two-tone, the blue and black circle with a little bit lower on the right side of the screen. Well, that's just-- that's the breakdown of your allocations between the cash and in this case, the ABLE aggressive investment option. So, cash has got a little less money. The black is where the money is in the markets and securities and earning the principal and different earnings. And then of course my favorite button at the bottom there is the gifting. It gets you right directly into that gifting pay, so you can build a new campaign or you can just reinvigorate the current campaign to get your family and friends to make contributions, to help you save up, to make that milestone, to buy a piece of equipment or an item or some type of services that increases the quality of your life, health, you know, independence, all those things, which is fantastic. So for the most part, your ABLE plans are online entity and you're really are interacting with some type of user platform like the one that we have showing here. And that are there, you know, they're intuitive, they're easy to navigate and in a snapshot, you can see that this person, Alex, is doing pretty good. He's doing pretty good. He or she is doing pretty good. And so we have a lot, you know, Kelly, David talk about how we kind of design the big umbrella of how we designed a platform, how the collaboration works, and our blended investment options, a little bit different strategy than other plans out there. And then the last slide is really cost. We are doing a phenomenal amount of work on the account owner's behalf, for relatively, one of the lowest cost plans in the nation. And Al, you can go ahead forward to that next slide. You know, we are trying to create-- we're trying to eliminate, we're trying to create very low barriers to entry with very-- the minimal contribution is $25 to start, $10 to make the next contribution. So it doesn't matter whether you have small, infrequent contributions. You know, the sooner you get started, you know, over time, it makes a difference. Those contributions will add up. $35 annual fee plus asset fee based on which investment allocation, that option that you chose and how you allocate it, is between 30 and 36 basis points and that's-- you can see there's a decimal point there. So it's 0.3% to 0.36%. $35 a year plus the percentage fee assessed to the-- assessed against the assets that you have under management here under investment. So when you get into that money, well, you got an active management of the ABLE plan, but each of the state, four states versus maybe a more passive style, our states are in partnership with state agencies and non-profits, they influence the design of our program and they are pushing us continuously to improve the program. And really, it's-- we're walking the walk, we're talking-- walking our talk rather, from the ambassador like in Maryland who happens to be both a veteran and person with a disability, to plan administrators like Kelly and myself that have family members with disabilities, to the advisors and the governing board members in our states that either have disabilities themselves or have family members with disabilities. You know, we're at the grassroots we're, they're helping us push the design and implement features like the state by state, for a state by state flavored ABLE plan. And so just kind of sum up there, I mean, we're unique. We have a few features, I think other states don't have, that makes us for a little bit more dynamic. That we're knocking down these barriers. We're getting people enrolled. And the end result is that we want account owners using their accounts to improve the quality of life, their independence, and in their health. You know, you got to save for a little bit, but the fun part is being able to spend out of your ABLE accounts. So that's my kind of snapshot and what the features are for the collaboration. And I'm going to turn this over to David to take us to the end.

>> OK. Thank you, Peter. That was really helpful to kind of outline some of the features that we've built in to try to make these plans work for everybody. I see that we have about 10 minutes left. And I want to make sure that we give time for questions because I've seen some really good questions come up from the Q&A. So if you haven't typed in a question that you might have, please do and we'll make sure to answer them either via the online system or verbally because I want to leave some time for that. Just really to wrap up quickly when it comes to policy, policy is the last key mission that we really strive for to make sure that we are servicing all of the savers that work with us and those that want to work with us in ABLE overall. One that many of you may have heard about is a big push from all of us, ABLE states. Every single ABLE state really is pushing hard for this along with many of our key partners and key legislators, and that's called the ABLE Age Adjustment Act. And so, just so you know, we're working hard. Currently, ABLE savings accounts, one of the qualifications for being able to utilize an ABLE savings account is that the disability had to have started before the age of 26. We would like to see that number be raised. We'd actually like to see that number be removed all together. But what the ABLE Age Adjustment Act will do is raise it from the age of 26 to 46. There's still a lot of work to do. There's a lot of people supporting this, a lot of legislators. This would require a federal change in the legislation. And as I mentioned, there's a lot of legislators that are behind it. But we have a lot of work to do, so know that all of us ABLE states, especially the ones that are active at the national level as well are working hard to get this past. We can go to the next slide to touch on another piece of policy. I'm only highlighting two. Please know that we're looking for ways to increase the availability of ABLE savings plans for all individuals that could utilize it and push for more inclusiveness with all ABLE. Another one is to work hard at the state level and hopefully also at the federal level to limit and reduce Medicaid recovery from taking place with funds that used to be in an ABLE savings account. I know that there was a question or two around Medicaid recovery when it comes to ABLE. The federal legislation originally outlined, did allow for Medicaid. Didn't require, but allowed for Medicaid to recover funds from an ABLE account when the individual passes away. There are quite a few states that were outlined in one of the answers to that question on the webinar. Quite a few states that have passed state legislation that either limits or eliminates Medicaid recovered from taking place when it comes to ABLE accounts, but it is a very delicate situation. Medicaid is managed at the federal level, but also administered at the state level. So there's a lot of moving parts, just know that we're working very hard to make sure that the funds that are saved in an ABLE savings plan, stay with the individual and also the individual's family. You can keep it right here for right now. But I just want to quickly-- actually, Al, if you don't mind going to the next slide. Just to really wrap up, before we open this up for questions, just to kind of wrap up, again, our all ABLE savings plans across the United States are working hard for the savers. We really focused on those areas that make us a little bit unique because I didn't want to spend time talking about what all of us do, because that's why we've been invited to join this webinar. What does make us a little bit unique is just our absolute 100% focus, as we've mentioned or before in working with partners to make sure that we get this right and those partners are the ones that are utilizing the plans themselves or supporting those individuals to do. Just to touch real quickly, again, the reason why we partnered with other state agencies is because those other state agencies administer many of the benefits that individuals rely on and maybe utilizing ABLE to stay on. So we have a direct line here in Oregon with the individuals here in the state that administered Medicaid, administer Social Security benefits and many more. So we're able to get many of your questions answered, even if they go beyond, just what a normal ABLE question would be. Again, we talked about the people that we work with, the accessibility. We created one of our flyers into Braille here and it went from a small threefold flyer into 10 pages of Braille front and back. I didn't even know Braille could go front and back. It's amazing. And it's been utilized. We've been giving them away and they've been utilized. Our business cards have Braille on it. We want people to understand, be able to assess that information. The features that Peter so perfectly walked through that are a little bit unique, just to really kind of highlight one aspect, ABLE for Work with a new legislation that passed federally and all states were required to implement it. I just wanted to highlight the fact that our team worked extremely hard to implement it in the way to maximize your ability to add money into the account the way that we allow you to direct whether this was an ABLE for ALL contribution or a normal contribution maximizes your ability to put the most into your ABLE account each year that's available to you. And then lastly, with the accessibility and the work that we do, and some of the mobile features that Peter walked through, our incomplete website. The front end that gives you information and the back end where you manage your account is completely adaptive, which means that when you're on a tablet, or on your phone, or on another device other than a computer, it adapts to that screen. So you can easily utilize it very similar to the way that you would with a mobile app. So I can go on to my account and manage it completely that way, easy to manage. And that's what we want to give you as the tools to manage this wherever you are and whenever you need it. And so, I just want to thank everybody for joining this call. Thank you for spending the time learning about this. Please know there are great resources out there like the ABLE savings plans you're looking at here and others. But know that the one stop shop for great information on ABLE is the ABLE National Resource Center. Please take a look at their website for sure. And with that, Miranda, I would love to hand it over to you all to administer any opportunity for answering some questions.

>> Great. Thank you so much, David and Peter and Kelly. I think you answered many of the questions that did roll in. We've only got another five minutes. I'm going to need about one-- quick housekeeping and updates about what's coming up with ABLE National Resource Center. But I do want to mention, we did have questions come in. If in the couple of minutes we have here for Q&A kind of rapid fire, if your question doesn't get answered, we'll submit those questions to Kelly and Peter and David and we'll post the answers to those questions with the archive of this webinar that's going to show up next week on our website under the webinars. OK, everyone. So I just want to let you know that. And a couple quick questions that are of interest. First, what are the fees on the prepaid card? I think that might have been one of the things that we didn't see spelled out. Are there fees for that prepaid card, or did we miss that?

>> No, you didn't miss that. And so, as Peter mentioned, we're transitioning from a previous partner that we worked with, with the prepaid cards to True Link. A little bit of this is up in the air when it comes to the actual fee. But I believe and I don't want to speak out of turn, it's going to be very similar to what we had before. And there is a small fee to have a prepaid card. We thought it was better to assess the fee to the actual individuals to actually want to use the prepaid card rather than to everybody who may not want to, so you don't have to utilize it. The way that it was set before was it was $1.25 per month to have the prepaid card. It was very similar moving forward as well.

>> OK, great. Thank you so much, David. Some of these other questions that came in, we-- you know, you spelled out a lot during the presentation, what makes your program different than other programs and so fourth. One question was, are other states learning with joining the collaborative?

>> We would be very open for any state that fit the mold. Again, like I said, there's a lot of different partnership or collaboration opportunities here. Ohio has a great plan. There's also one that's run by a census. And, yes, we are in communication with a couple of different states right now and are open to anybody that would be interested but just want to make sure it's a good fit for them and for their savers.

>> You know, we also had a number of questions that came in around statistics beyond like how many accounts have been opened with the national option versus each of the states? Do you have any of that information? Or can we share that when we posted the archive if you don't have that at your fingertips?

>> No, I mean, we can share that now. I mean, for Oregon and ABLE for ALL wrapped together, ABLE for ALL has less than Oregon, but I have the number together. So Oregon and ABLE for ALL has about 2,800 accounts right now and about $15 million saved in that savings plan. Now, these numbers are always going update day by day. So people have really put some serious money away for this. And then I believe Washington mentioned how many accounts that they have. They've been open less amount of time than Oregon has. And they have over 700 accounts probably closer to 750 and about 2.4 or 2.5 millions saved. And Marlene, if I'm not speaking out of turn, has probably over 1,700 accounts now. Over 1-- sorry, over $8.5 million saved. You know, the real aspect to this is, is that people really trust these plans. They're opening these plans or utilizing these plans. So if you're on the fence and haven't been sure whether to open an ABLE savings plan or not, they are safe, they are secure. And we're going to be around to service you now and in the future.

>> Great. Thank you so much, David. One last quick question and then I'll get to, you know, updates and what's coming. But people were really interested in the works you're doing and the partners. And one of the questions was, how in depth is your partner training?

>> The partner training goes rather in depth, especially for the ones that are helping to share the information. But one of the best things is, is that we've been working with many of these partners from the very beginning. So we don't have to actually do a specific training. They actually helped us design our ABLE programs to make sure that they worked for individuals. So they are well versed on how this works. They have access to see how the accounts work. Many of them, most if not all, are either managing an ABLE plan for somebody else, a loved one or have one, themselves. And those partners that come in a little bit later. We go into very much depth, so that they understand truly how this works for them and for others, so that they can share that information.

>> Well it sounds like the name ABLE collaboration is pretty spot on then, David. OK. Well, thank you so much. We'll go ahead and just quickly share then let's go to the next slide, Al, and just let people know. You know, here again, is some information around resources you can be accessing, our roadmap to enrollment, our three-state comparison tool, our case summary series, different guidance, these are just some general resources from ABLE National Resource Center that might be of assistance to you. If you haven't checked those out, we encourage you to do so. Including federal guidance, ABLE accounts and tax time savings, our ABLE toolkit information and there was reference to, you know, special needs and pooled trust. So we have our chart there that you can link to about ABLE accounts, and just a side by side comparison of what they look like, next to special needs trust and pooled trust. So let's go to the next slide. And if you please do help spread the word for those of you who joined us here today, share information about ABLE accounts with your friends, link them to, you know, upcoming webinars that are great archived webinars, which this will now be one of many wonderful archived webinars we have and share this information with your community, with your friends, and family members and others so they can learn about ABLE and the opportunity here as well. And, of course, again, we have the link to our achievable newsletter, and you can connect with us on social media on Facebook and Twitter. And please do continue to participate in upcoming ABLE National Resource Center webinars to stay informed towards that end. Let's go to the next slide. And we encourage all of you to join us in October for work we're going to be doing focusing on working age people with disabilities, and in honor of the National Disability Employment Awareness Month, NDEAM. We'll be presenting on ABLE and work incentive. So, information is going to be coming out around that soon. If you're signed up for our list serves, our newsletter, we will also send that out. We usually have a registration link here for you, we don't today. So for this group that has participated or registered for today's webinar, you may be getting it again. Better two times or three times than none. So we'll be sending that out. You'll be getting an email from Al Milioto with that registration link as soon as it's available to join us in October. And we'll be touching on some of the other questions that came up in here too. And I see someone is asking, is the PowerPoint available? Al, if you could share that link in the chat, usually it's located there, the link to that. It will also be archived next week on the ABLE NRC website. So with that, we'd just love to give a big thank you again to our ABLE collaboration partners. And David and Kelly and Peter for a great presentation today diving deep and giving us some good information and next steps to be taking. We thank everyone who has joined us here for the call. Please take just a moment to fill out the post-training survey and give us any feedback. We appreciate that and we look forward to having you all back here with us again soon. Finally, and importantly, thank you to all of our ABLE National Resource Center sponsors, our gold sponsor, Prudential, and our other sponsors who, without whom, we couldn't do the work we're doing here today. So thank you again so much everyone. Hope you enjoy the rest of your--