. >> i would submit for the record a letter that i received from comptroller kerry that contained a number of suggested reforms that i appreciate very much. hearing no objection, i'll submit that to the record. >>> secondly i want to make a brief editorial component e comment, if i would. we had 100, 200 new charters wb the yore. i ha had to find it impossible. in my view, itsd's very clearly of a 'row interest ratened vierntd. its another been engs neared by the fed. e was shocked to the amount of registration slags. it's impossible to believe that this is not relate ds. >>> having said that the occ has, in my mind quite con instructively suggested zef al significant reforms. i'd like to pursue a subt about that because this is exactly the conversation we should have. what are the specific things we can do to e that will help the exist tag eing tanglies: as you know, one of the assets is to invest $10 million. is it your sense is it general ri true that banks of $10 billion and len engage in virtually nonor day min mus amounts of the active ti prevented to be procolluded by the vocal goem