dr. parkinson? is affecting the recovery as senator said and all of us have been saying. we have been emphasizing the importance of prudent effective workouts and certainly monitoring that the banks are doing in that area, but even with prudent and effective workouts, many of them have large volumes of assettings that are extremely troubled, and in the course of working them out, further losses are going to be recognized, and in some cases that jeopardizes their ability to play the economic role they need to play, and at this stagings there's not much we can do other than make sure they follow the workout guidance to litigate what their troubled condition would otherwise produce. >> mr. wilson? >> yes, i have similar comments. there are a number of severely disstressed community banks that probably won't make it, and, you know, there is no real silver bullet, but the best we can do is make sure that we're fair and consistent and we do, we are consistent with our workout guidance, because in many cas

dr. parkinson? >> i think it is affecting the recovery as senator was saying. all of us have been saying that we've been every sizing the importance of prudent workouts and certainly monitoring what the banks do in that area, but even with prudent effective workouts, many of them have large volumes of assets that are extremely troubled, and in the course of working them out, further losses are going to be recognized, and in some cases, that jeep jeopardizes their ability to play the role they need to play, and i don't think at this stage, there's much we can do about that other than be sure they follow the workout guidance to mitigate and limit whatever damage their troubled condition would otherwise produce. >> mr. wilson? >> yes, i have similar comments. i mean, there are a number of severely disstressed community banks that probably won't make it, and, you know, there is no real silver bull let, but the -- bullet, but the best we can do is be sure we're fair and consistent, and we are consistent

dr. parkinson? >> i think it is affecting the recovery. we have been emphasizing the importance of prudent workouts and certainly monitoring what the banks are doing in that area. even with affect a workout, many of them have larger volumes of assets that are extremely troubled. further losses are going to be recognized. in some cases, that is going to jeopardize their ability. i don't think at this stage there is much we can do about that other than to make sure they follow the work of guidance to medicate the damage. >> mr. wilson? >> yes, i have similar comments. and there is a number of severely distressed community banks that probably will not make it. there is no real silver bullet. the best we can do is make sure we are fair and consistent, and we are consistent with our workout guidance because in many cases that is the best for the bank, the customer, and the community. >> many times, we talk to borrowers who say the banks tell them they cannot lend the money or work it out because of the r