Abstract: I will discuss the problem of the black hole singularity and its possible solutions. I will argue that a "fuzzball picture" for two-charge, 1/4-BPS states supplants the singular black hole solution for typical states, employing an effective action approach and performing an ensemble average over solutions. For three-charge 1/8-BPS states, I will present new results for an ensemble-averaged solution in which a long nearly-AdS2 throat rolls over to a "star" region, where an infalling observer encounters a horizon-free and non-singular sphere of string theoretic matter.