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Good afternoon, everyone. My name is wayne abernathy, executive Vice President for Financial Institutions policy at the american bankers association. Here in the Federalist Society, i am the chairman of the Financial Services Practice Group, who is sponsoring this session today, financial administrationhe Administrative State. We very much appreciate you being here to listen from our very experienced, distinguished, and insightful panel. If you happen to be interested in the work of a Financial Services Practice Group at the Federalist Society please contact me or one of the officers and weekend at you involved, we love to have people involved. Now my important duty besides that is to introduce the moderator for today, judge carlos baya. He serves as a judge on the ninth circuit. He received his bachelors from stanford and his jd from stanford law. He was born in spain. He immigrated to cuba in 1939. Notice, you might not unless he stands up, of course you will, the judge served on the

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