We believe very strongly in tailoring to make sure that our regulations fit the risk profiles of particular institutions.

I would say that the data suggests that the support that fiscal policy provided during the period of recovery overall, both Federal and State, was substantially lower than would be typical.

I really urge Congress to focus on policies--they may be fiscal policies or other policies--that would succeed in raising productivity growth.

Now just recently my friends on the other side of the isle have proposed repealing the Affordable Care Act, which will reduce revenues by $350 billion over the next decade.

Policies that promote investment in people or human capital, fiscal capital, both public infrastructure and private investment, are also important in promoting productivity.

But, again, as you pointed out, that is a much higher rate, and the same is true at all education levels.

Community banks feel the burden of regulation is very great.

I really feel strongly that we should be looking for ways to mitigate the regulatory burden.

there is not very much that we can do in incorporating that into our forecasts.

Generally, there are a number of areas that impact productivity growth, and this could look to different kinds of policies.

I believe we would have a much weaker economy if in the last number of years we had followed the dictates of that rule.