Tom Rice actually said...

So if we are saying that, you know, small banks are declining, that historically they have had over half of the small business loans, wouldn...

So we are penalizing small banks with this additional regulation under Dodd-Frank, we are penalizing small businesses with this additional r...

Now, additional Federal regulation, whether it be Dodd-Frank or any other Federal regulation, increase compliance cost. Correct?

When you put constraints on the ability of people to get capital, it has follow-on effects in the economy.