Jack Reed actually said...

We have to think creatively.

I mean, one of the things that we have been trying to do is to incentivize, one way to describe it, a much more proactive, much more focused...

The effort that you have undertaken to come in here and to do that is really valuable for us.

But it strikes me, stepping back, that because of national policies, Federal Reserve policies, we have lowered the effective interest rates ...