David Scott actually said...

I think that you all have done pretty much what you can do. You have reached in the Fed your point of what you call zero lower bound.

My main concern with the Fed's final rule is that it does not take into account the combined creditworthiness of married couples.

If we can go from four to one and reduce those administrative costs and give you more flexibility, I think that is a great thing and helps t...

So the bottom line is a ten percent cut, if we did that, would have a very devastating impact?