the reality is that these small banks have to spend a fair amount of time and energy and resources simply proving that they do not do what they have never done.

I think it is a very constructive proposal.

I find it wildly implausible to think that that is a reflection of a business cycle.

We must not forget that more than 400 banks with less than $1 billion in assets failed as a result of the crisis.

It is not only morally desirable, but economically good policy, because about two-thirds of our economy is fueled by consumer spending.

I am deeply concerned that so many parents in the United States are failing to vaccinate their children.

Vaccination requirements are within the purview of State authority.

I urge you to have a strong, unified, bi-partisan voice supporting the scientific evidence that vaccines are safe and they save lives.

We must all recognize our personal and collective responsibility to get vaccinated, and to vaccinate our children, in the name of protecting those who are too young or medically unable to be vaccinated.

I know that in the debate about how to respond to the Ebola crisis, among the best pieces of advice we all got here was that local validators are a lot better than validators outside of a local area.

I look forward to working together to raise awareness in our communities of the importance of vaccination.

I think we all agree we need to simplify the tax code and make it more economically efficient.

Currency manipulation has not been addressed in the TPP negotiations.

I think currency manipulation is both unfair and very damaging, and it is kind of a double insult if it is not raised.

I will close by saying that we would like to work with you. I understand and support the President's broader initiative.

I think both of us agree that whether there is a dispute, whether you raise a dispute about one particular study, we can agree that currency manipulation has been damaging to our economy.

I hope that you would look at taking some sort of action on FIRPTA.

Currency manipulation was the main driver of our growing deficit with Japan.