How much mixing of banking and commerce does Congress want to permit under the law?
I continue to urge Congress to give us clarity on this very significant question by adopting an ILC bill that gives the FDIC Board clear guidance we can use in considering applications. And I hope we get an answer soon. Conclusion As we work to solve our problems, and to learn from them, let us work for a common cause. Let us return to traditional values that protect borrowers, protect responsible lenders, protect neighborhoods, and ultimately protect the country with the promise of a secure and stable economic future. I truly believe that this is the path to a renaissance in American banking. And I believe community bankers can lead the way. Thank you for inviting me today. I look forward to working with all of you as we move forward. Id be happy to take a few questions.