Credit losses are very low now, but mortgage lenders need to be prepared for higher losses,

I think everyone in this room understands that the dual banking system is at a crossroads,

That's got long-term consequences, so I'll not be bashful to understand some of those issues and come back and say, 'We need to find a better way to do this,'

I think New Orleans and Louisiana need to be safe,

This new position allows me to continue to serve my country and help the many people who have had their lives turned completely upside down,

I am aware that there is a great deal of public interest in the Wal-Mart Bank application; however, I believe it is important that the application be processed in a manner that is consistent with current law,