Mark Warner: “But it is happening. I mean, community bank after community bank, when you take--you look at the one place that is…”

“But it is happening. I mean, community bank after community bank, when you take--you look at the one place that is expanding is the regulatory staff, which, again, back to Ms. Hunter's comment, makes them in a very competitive market even less competitive. So I am not fully satisfied with your answer.”