[tone] >> commissioners, joe donohue. first of all, i'm no fan of -- i am no friend of the bank. i take the view of jonathan swift to stated every year we should take off five bankers out and hang them. [laughter] and in fact, i have considered some of the banks, especially the local ones here like wells fargo, financial rapist's because the residential builder members have suffered irreparably from their actions. but the reality is we have to look at reality. the reality is banks are not mom-and-pop stores. we cannot throw the baby out with the bathwater. what we have to do is look at how do we bring some sanity to the process. right now, we have a planning commission and procedure process that is congealed. every time you go to take a permit, we have a new law of something new that is costly and time-consuming. in a time when we have government employes under pressure and layoffs. what we have to look at is is for killer retail going -- is a formal retail going to accomplish what is needed on a formula retail. that reform is not going to come again by adding a layer on layer on