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Think are critical to a pro-growth economy. could you elaborate on that? >> sure. let me first say i absolutely believe in proper regulation. and before i had the opportunity to put in a bid for indy mac bank, i had to be issued a charter. and i worked very closely with what was the ots at the time, and by the way, i was a big fan of you merging the ots is twith occ and getting rid of a regulatory agency. at the time i worked with the ots and the fed. the regulators explained to me at the time, ...