My background and commitment to community banking is also some important context for what I have to say about the Fed’s interests in improving communication with the members of CSBS. I mentioned a moment ago that the perspective in Washington, and from the Board, can be different from the view from your position as banking commissioners, and that is certainly true.
*  *  *  Members of the Monetary Board, distinguished officers of the various associations of rural banks, other bankers, staff of the participating banks coming from La Union and other parts of Regions I, II, III and the Cordillera Administrative Region (CAR), colleagues at the BSP, distinguished guests, friends from media, ladies and gentlemen, good morning.