Would you talk about that a little bit?

I think we're going to be required to find more savings.

there are two kinds of schools of thought. One school of thought is everybody should take a proportional reduction.

So it would translate into longer timelines to respond to requests for CBO scoring, studies, and so forth?

Again, I want to thank not only the Chief but all three of you for. We have more work to do here, but you have all done good work.

I'm just looking for any recommendations you have that might enable you to do your job more cost and time effectively.

I appreciate very much the work that you do and recognize the challenges that go with it.

How is the threat initiative going? I mean, do you feel like it is working well and making a difference?

Of the total outlay from TARP, how much of that has been returned?

I guess the question I ask, is there more that you could do to raise dollars for the program that would in essence help us with this budget?

I think we should take a look because it might be something that would be worthwhile and something we should pursue.