Frankly, I think that everyone underestimated the complexity of offering the program to 8,000 institutions operating under many different charters and having different legal and capital structures. And I understand your discomfort with receiving capital from the government, an unusual source of equity in our banking market.
I can also understand your feeling of frustration when the capital that was supposed to be a mark of strength and good health morphed into a perceived government bailout, a bailout from problems that most of you never had to begin with. And I absolutely understand your concern about losing key employees due to restrictions covering compensation policies.