Jon Tester actually said...

I have always talked about availability and affordability. It is a problem and continues to be a problem.

I want to thank you, Vice Chair Quarles, for the work that you and your team have done at the Fed during this crisis.

There is also a lack of affordable accessible housing across the country, and that problem has only gotten worse during this pandemic.

I have been concerned about small businesses and families in rural communities having access to capital and credit.