Rand Paul actually said...

Clearly, the regulatory environment is getting tougher and tougher for community banks to be able to work with them.

A lot of it goes back to CRA, being able to do CRA-type loans, being able to do SBA-type loans.

We feel that we are in an ideal position, being in that $6.5 billion size, that we understand the needs of the community, but we are nimble ...

Absolutely. I just attended two national conferences. And in the 18 years that I have been doing this, I have never heard the discussion as ...