Herb Kohl: “Thank you, Mr. Chairman.”

The consequences of long-term unemployment are enormous.

I am concerned that standard essential patents are becoming the new front of the tech patent wars.

Senator Kohl. But I understand, and I think the records indicate, that your reported loan-to-deposit ratios--your other big banks, their reported loan-to-deposit ratios are 10 to 20 percent higher than yours.

Now is the time to be more aggressive, I believe, in your approach to unemployment.