Jeb Hensarling: “The true unemployment rate stands at almost 10 percent.”

Texas is really becoming the economic center of gravity in America.

So if that is permitted right now then I am going to raise my hand at the board meeting when the senior vice president for credit administration comes in with this big gobbledygook proposal and says, 'Hey, I like it. That is fascinating…

As New York is increasingly shoving capital out, Texas is saying, 'You're welcome here.

How are we that much better off? And if we could put up a slide, you are asking community banks to make a forecast.