Jon Tester actually said...

Amen. That is right. That is correct. I could not agree with you more.

I think simplification is important.

So my question is: Do you see any problem with the process right now of regulation on our small banks? And if so, what are we doing about it...

Do you believe that consolidation in the banking industry, in particular as it applies to--well, across the board, does not matter--is not a...