Thank you, Ms. Smith.

So, superb point, Mr. Wright, and, in fact, can I just expand the point a little bit in asking about this with remotely created checks, the notion that payday lenders are getting access, direct access to people's checking accounts----

Excellent. Thank you very much.

Count me as a big supporter on this, and we will have a good conversation about data tagging.

I want to apologize. I'm going to have to leave. We have a Banking hearing running simultaneously.

It seems a little shocking to me that in 2013 we are still talking about equal pay for equal work.

We are only likely to get one bite at this apple, and doing it right here means making sure that our small financial institutions, our community banks, our credit unions, still can thrive.

That is right. That is our bank.

I completely agree with you about the importance of standardized reporting so that you can make comparisons.

I do not think many people know that it is helping support the country's biggest private student loan outfit, Sallie Mae.

I just think that as we think about mortgage finance reform and the role of the Federal home loan banks, I am very impressed by what you say on your Web site.

The purpose of the Federal Home Loan Banks is to be a strong and reliable source of funds for local lenders to finance housing, jobs, and economic growth.