We know we are not going to have these 100-percent funding levels. We know that.

Looking at the Coast Guard missions listed here, 11 statutory missions, to fully implement these--and looking, also, at this table that shows how many of these missions were met and how many weren't met, it looks like we are about 50/50…

We are spending far more money than we take in, almost 40 cents on the dollar.

Well, you know, I mean, there are excesses in every department, in every entity.

I would like to know if ours are--I just keep hearing that ours are very much more strict, and that is one of the reasons why our shipping fleet has dropped from 1,000 American-flag ships in international commerce to 80.

What you need is you need a centralized definition that Bank of America is using, that Wells Fargo is using, that Lending Club is using, that we are using so that we can actually have a proper dialogue about what a small business is.

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't it be logical to assume that additional Federal regulation is one of the reasons why they are…

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

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

My primary focus is jobs and American competitiveness. And I truly believe that competitiveness is measured in small degrees.

Can we translate that an increased presence of the Federal Government in the banking system through Dodd-Frank has led to a reduction in jobs?

Does it not take away your ability to do exactly that?