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Smaller enterprises and messaging into households where the experience of the particularly in Housing Finance and Consumer Finance were in a transitional period, where we havent yet figured out what takes place as the Consumer Finance industry, which has been largely destroyed. Its a decent business and you can see examples that have survived. This basic decisions to be made about how much it should be regulated and how much you should be supplied by Financial Services part of the industry and in the memo, and the smaller interest enterprises, the Financial System is weaker, less capacity coming out of the crisis. It is a credit deficit in the community and some Regional Bank that again is a serious Public Policy to address the next couple of years. Thank you. My, what teacher perspective on the short run and longrun, so lets start on the short run because we are right in the middle. We sort of avoided the fiscal cliff. Sad events involving over the next couple and how are these going

New yorkUnited statesDistrict of columbiaUnited kingdomCzech republicTyler mcneelySander levinDave cookRon williamsDundalk radissonTim pawlentyBob mcdonaldJohn mccainGreg mendenhallHousing financeConsumer finance