. >> chairman, donna borac with "american banker."ommunity bankers have been very worried about the impact that these rules will have on their banks, especially given the fact that there's been some industry consolidation. and some have even questioned whether or not the fed has actually looked at the impact that the rules would have on smaller sized institutions. so my question for you is, will there be relief for the smaller institutions, and can you provide any assurance that this will not be a one-size-fits-all regulation? >> certainly. we are very interested and very focused on community banks at the fed. we believe they play a very important role in our economy, in our communities. we have a number of ways of communicating with community banks. it includes our advisory council made up of community bankers. it includes a special set of programs we have to reach out, talk to community bankers. so we are very interested in their views. i speak regularly to conventions and the like and talk to various groups. in terms of basel 3, of