Bob Corker actually said...

I think you would expect that bureaucrats at lower levels are going to act in a way that they acted.

It is very complex. And there has been some discussion about just a minimum capital ratio for our community banks.

I am all for private insurance on the portion above 80 percent. I just think as an equity piece that is not really what you are getting.

So the impediment is not due to the structure; it is due to us.