Despite the economic uncertainty over the past year due to the COVID-19 global pandemic, the average U.S. FICO\xae Score currently stands at 716. Joanne Gaskin, Vice President of Scores and Analytics,\xa0 for FICO joins me with the latest credit score data released by FICO, what impact COVID-19 had on credit scores and FICO\u2019s commitment to financial education, inclusion and ability to score more people.