Byron Dorgan actually said...

My understanding is, from the discussion, there's a substantial problem with bank erosion. Where is that problem most acute?

In smaller communities, very often the current value of a home is substantially less than the replacement cost.

So, regarding the section 22 study, is that a study that is designed to lead to a conclusion of saying, 'Here are devices or protection appr...

So, if that was the case back then, the question in my mind is, is there a desire among local folks to evaluate that again?