Herb Kohl: “Something that Senator Kohl referred to earlier.”

Let the sunshine in.

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.

This is not acceptable.

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