governor brayden's statement, and i'll quote, it's more important to get reforms done right than to do them quickly. quote, unquote. it is absolutely correct. the occ and fdic should heed that advice as well and extend the public comment period as community banks, state regulators, community and civil rights groups as well as committee democrats have called for so that all stake holders have an opportunity to voice their concerns. i encourage the fed to keep a watchful eye on facebook's efforts to launch a crypto currency and digital wallet, which as we discussed at our last hearing, could compete with our own u.s. dollar in light of the many risks facebook plans to create i and other democrats , have called on facebook to halt their plans until congress can examine the issues associated with the big tech i look forward to your testimony recognize thew ranking member of the committee. mr. mchenry. chairman powell for appearing before us again. under the trump administration, we have the best economy we have in decades. the numbers are irrefutable. the unemployment rate is essentially i