Comply with new regulatory mandates than it is for a larger institution . A very small institution, we recognize there are burdens involved. We have often tried to tailor our regulations so that there is less burden and fewer rules applied to smaller institutions. There has been an increase in capital standards that apply to those institutions but most of the things we discussed today, stress test and other things, liquidity regulations apply to those institutions and tried to make many efforts. To simplify the Regulatory Regime and capital regime for those institutions. The number of changes negatively affect the community to offer products and services to consumers more than it has affected larger institutions . I dont know that it has affected smaller institutions more than larger institutions. I would submit that it has because to be honest i dont know how you started this. I dont know how you start business in this economic environment. Dont know how people could secure capital or
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