Herb Kohl: “Vigorous and aggressive enforcement of our Nation's antitrust laws is essential to ensuring that consumers pay the…”

What we can't assume is that these problems will correct themselves.

I would like to know that we have your continued commitment to work with us to reach a mutually agreeable solution.

the consequences of long-term unemployment are enormous.

Senator Kohl. I appreciate that. Just one final comment. Again, the biggest banks with whom you are competing are generally described in the same way you just described yours, and their loan-to-deposit ratios are higher than yours.