So then let me understand because actually our staff pulled out the OTS, your, Holding Company Handbook and it directs your examiners to conduct, and I'm quoting here, 'comprehensive assessment from the perspective of the consolidated…

But this is presumably for banks that wouldn't take the funds through another program.

So we know for a fact credit is shrinking.

Do you believe banks will want to participate in this? It's going to be a different kind of program.

It's a very small fraction, isn't it?

It's a step in the right direction.

When the Government says it's going to put programs in to do more SBA lending, do we have any sense of how much leverage that's going to create?

Would the SBA be more effective if it became a direct lender again instead of working only through financial institutions?

I would like to begin this morning by extending our sincere thanks to the City of Phoenix, the University of Arizona, Senator John McCain, Senator John Kyl, and Congressman Ed Pastor for hosting us and for helping to plan today's hearing.

SBA loans are what portion of total small business lending?

Do you know how much debt from the government of Greece that Citi holds?

Used in the manner that protects home values, college funds, retirement accounts and life savings, and preserves home ownership and promotes jobs and economic growth.