Jim Bunning: “In so doing, we may just double and triple the problem, so I want you to be aware that that is why we are hesitant.”

Then why do you submit your reports to the SEC so they can redact anything, to prevent the public and our Committee from knowing exactly what you said in the report?

I have one more question. I just want to get it in before my time is up.

I continue to hear from well over 40 Kentucky community banks about the heavy hand of your examiners and their supervisors.

The unemployment rate as of January 2009 was 7.7 percent. In August of this year, the unemployment rate was 9.6 percent.