our first presenter is maude toussaint-comeau, senior business economies, community development and policydies division federal reserve bank of chicago. she'll be talking about the performance and survivability of minority owned banks in times of financial stress. >> good morning. it's a real pleasure to be here. i have been enjoying the conference so far. it was a little more tax income to this morning then going to university. i should be used to that because i'm with the chicago fed. this is going to be -- my colleague, robin neuberger. pretty much like the title is the same, we essentially are looking at minority owned banks, and in recent areas of time. so study from the 1990s after the financial crisis. i know i speak aloud, but not that loud. so in recent years, as we know, we've had huge housing crisis and by many indications, the housing shock and foreclosure, et cetera, was disproportionate in sort of low income places. concurrently, there are certain institutions that also serve markets. so in light of those recent events, there's a lot of interest in terms of looking at issues