It is a really important thing and certainly worthy of a longer discussion, which I would be delighted to have with you.

I want to begin by expressing my appreciation for my predecessor, Chair Janet Yellen, and her important contributions.

Racial discrimination in mortgage lending, in any kind of lending, is completely unacceptable.

It is a big bill. There is a lot in there. I think it is a very constructive enterprise, and I think the aspects of it that you are talking about and I certainly think are sensible.

We take a very serious view of any kind of racial discrimination in lending.

I want to affirm my continued support for the objectives assigned to us by Congress: Maximum employment and price stability.

We think we need the leverage ratio as a high and hard backstop to risk-based capital. We think that the current calibration of the enhanced supplemental leverage ratio is not appropriate.

Transparency is the foundation for our accountability, and I am committed to clearly explaining what we are doing and why we are doing it.

I am eager to have more colleagues.

I will make you that commitment.

Yes, sir, it has been a gradual recovery, but it is ongoing.

I would just say our own job is to focus not on fiscal policy, but on monetary policy, and so that is our frame of reference.