Mike Crapo actually said...

The change is with respect to community banks.

So then I will let others who want to speak on this do so, but if I understand you right, then you are not saying that the bill would allow ...

I want to convey my thanks to you for being willing to work with us in a bipartisan fashion.

Well, thank you. And let me just raise another issue. It kind of relates to the unintended consequences issue, but right now we are seeing, ...