Christopher Bond said...

The only thing I would add, I took a very high-level law school course on banking and bankruptcy.

I think to some degree you have articulated a very important point. When you have multiple regulators, specific ownershi...

That was a mistake, in terms of cost, productivity. So, that is a signal not to put timelines on it.

And I thank you for outlining the tremendous budget squeeze we're going to be facing this year.