So the Fed continues to think that end users do not pose systemic risks, and we will come back and will be crafting a rule in light of the international negotiations.

Over the last 20 years, the top 1 percent of earners has grown by more than 86 percent while incomes for the remaining 99 percent have grown by less than 7 percent.

we need to take all of those things into account.

we see absolutely no need to consider any possibility of raising rates.

I think it is also appropriate for Congress to look at what some of the special needs of long-term unemployed are.

I will discuss with my colleagues what is appropriate. I do not have a definitive answer for you.

I do not see those excesses having developed at this point.

There are a number of ways, the asset liability matching separate accounts and so forth, that require tailored design of capital and liquidity requirements so they are appropriate to those business models.

I strongly support continued research to assist policymakers in understanding how successful community banks can contribute to the health of the U.S. economy.

I cannot give you a date certain, but----

I believe so.