I will then suggest that we think about how the absence of a substantial number of new high-paying jobs, when combined with changes in the landscape for financial services, affects access generally to affordable, sustainable credit. Finally, I will explore some of the monetary, supervisory, and regulatory touchpoints in which the situation and prospects of low- and moderate-income working Americans can be addressed.
As a final word, let me take this wonderful opportunity to thank our colleagues and organizers from the BIS and the Bank of Italy for their ceaseless patience and hard work in taking up an exceptional organizational challenge. Thank you all. 2/2  BIS central bankers' speeches