As I look ahead, that record of success is a testament to the progress we have made to date and argues for the same incremental approach to ongoing refinements in supervision and regulation.
This first annual meeting of the Ohio Bankers League following the merger of Ohio's banking and thrift trade associations is emblematic of the changes that have taken place in these two industries. And this event presents a good opportunity to review today's depository financial service industries in the context of a decade of major change.