Heidi Heitkamp actually said...

It is absolutely critical that we maintain a role for independent community banks and credit unions.

Just a quick comment, and not to belabor this point, but I do want to kind of go on record saying we need to be careful with one-size-fits-a...

We are setting policies in Washington, DC, that are consolidating more and more assets into the larger banks.

We cannot move forward, in part because of the impediments and because of the requirements.