Audience Member: Greetings, good morning to – or good afternoon to you and your guest. Now while it would be interesting to speak of why the New York Fed and the Atlanta Fed are differing on their economic forecasts, that might be interesting, but I want to speak to something far more local. Far more local. This community, and communities like this, were devastated, were ravaged – and I could use a stronger word – during the financial crisis of 2008. We’ve never recovered from this. The black community lost approximately 50% of its wealth in four years. 50% of the wealth accumulated from slavery till today lost in four years. No one, of course, was ever jailed for these things, no one was ever – very little punishment, if anything, was done. I understand that while you may want to do or feel strongly it’s not the purview of the Federal Reserve – I understand that. Using your researchers at Liberty and other parts of your organization, I need to know what laws that I can put on the books to protect communities like this. We’re about to go back into another phase of exotic mortgage-lending, and I will humbly differ with you on Glass-Steagall, of course. We’re about to go into another phase of exotic lending. They call it exotic lending. We call it predatory lending, and we pay for it. We can expect that again.
My first question is how do we establish a better relationship with your organization in an effort to – we can get this information that you have and its resources on the grassroot level? And my second question is –  President Dudley: All you have to do is give me your card afterwards. Audience Member: Oh, okay. My second question is we’ve done an assessment of the economic state of Southeast Queens, Sen. Sanders’ office, and a majority of our residents here are considered banked and under-banked. My question to you is a lot of ... especially for – we have a huge population of Millennials, we’re looking to purchase homes in our area. A lot of us make under $ and probably have some problems with credit. But my question with the home buyers programs is there a way, or how can we have a conversation about increasing the matching funds because the highest that the rates for the federal home buyers program is 4:1. And we want to talk about how we can get that to 10:1 so it can help, it can match the demographics, economic demographics, of our community, so people can start receiving in tangible resources like purchasing a home with the resources that they have. President Dudley: I’m not an expert in the issue of how much money you need to match. I don’t think I can speak to that directly.