The unemployment rate is down, but not included in that rate are more than seven million people who are working part time but want a full-time job. As a share of the workforce, that number is very high historically. I have described the experiences of Dorine, Jermaine, and Vicki because they tell us important things that the unemployment rate alone cannot.
We intend to incorporate those treatments and revisions into the interagency notice of proposed rulemaking for implementing Basel II in the United States and hope to complete our efforts in a timely manner. BIS Review 43/2005  3  Although the agencies have decided to delay the notice of proposed rulemaking while we review the QIS4 results, we remain committed to Basel II.