Janet Yellen actually said...

the downturn probably accelerated those trends that perhaps relate to globalization and technological change that are demanding increased sk...

We are very focused on regulatory burden on community banks

It certainly helps. We have also put in place requirements for adequate--our so-called TLAC rules for adequate loss absorbency.

Well, from my point of view, and I think from the point of view of the FOMC, more jobs are always good, employment is good.