As some of you will know, the publication of any journal or magazine is an onerous process, involving the collection, review and editing of all the material, written by several contributors. A huge problem in meeting publications deadlines is that you have to get all the material together, cleaned up and checked, before you can send the completed issue to the printers.
One other matter is the recently issued Community Reinvestment Act (CRA) proposed rule that would significantly change supervisory implementation and qualifying activities. I strongly encourage you to review this proposal and comment so that banks subject to the CRA understand the changes and will be able to continue to effectively serve their customers and communities.