*  *  *  It’s a pleasure to have the opportunity to speak once again before the Independent Community Bankers of America (ICBA).
This is the sixth consecutive year that I’ve met with you at this event, and the themes of my remarks over the years tell a story not only about the financial and economic upheaval that we have all experienced, but also about some of the very difficult issues that continue to confront both bankers and policymakers today.