; (ii) innovation; (iii) productivity; (iv) new business formation; (v) distribution of wealth and income; (vi) wages; (vii) employment; (viii) prices; and (ix) non-price terms and conditions that adversely affect suppliers or consumers, including reduced— (I) quality of products or services; (II) variety of products or services; (III) protection of privacy; and (IV) ability of the consumer to exercise legal rights, including the exercise of such rights through mandatory arbitration agreements. (D) The effects concentration has on racial minorities and rural communities, with respect to— (i) credit and banking services; (ii) food; (iii) access to affordable healthcare and medicine; (iv) fair and affordable housing; (v) affordable access to internet; and (vi) energy and utilities. (E) With respect to entrepreneurs and independent businesses, the obstacles to business formation and expansion, including the effects of rising concentration on the capability to enter markets and compete. (F) The effects of rising concentration on workers, including employees and independent contractors, with respect to— (i) labor market competition; (ii) labor mobility; (iii) wage and benefit levels; (iv) wage distribution; (v) wage volatility; and (vi) other material benefits. (G) The effects of rising concentration on suppliers, farmers, and other upstream market participants, with respect to— (i) competition in markets for their products and services; (ii) income levels; (iii) income distribution; and (iv) income volatility. (H) The effects of concentration on the resiliency of industrial, financial, and technological systems. (I) The extent of concentration within banking and financial sectors and the effects of such concentration on lending and new business formation. (J) With respect to major technology platforms that are dominant in a market sector— (i) the extent of concentration of control of communication, commerce, and critical technology