  As a philosophy, we have always encouraged banks to pursue FI as a commercial activity and to not view it as social service or charity. The self-sustainability and commercial viability of the FI initiatives are important if banks have to scale up their operations to cover more unbanked areas.
As I indicated a few minutes ago, nothing in FDICIA's systemic risk exception prevents implementation of such a policy. At the Federal Reserve, developing such procedures is already a high priority. For example, in 1999 I chaired a committee of Board members and Reserve Bank presidents that assessed the issues and took action in a number of areas, and contingency planning is ongoing.