mr. greuenberg, i observed that you stated -- this is within context, i think, that the typical path toward the failure of an insured bank starts with bad loans. my understanding is that, according to the fdic's website over the course of 2009 and 2010, there were almost 300 banks that failed. about 297. it's actually a high rate of failure. i would just ask you, to your knowledge, how many of them failed because of their trading activities? >> to my knowledge, senator, none. >> none, not one. did they fail because they made loans that went bad? >> as a general characterization, i would say yes. >> like virtually 100% of the cases it was because they had bad loans? so, would it be fair to say that historically, including to this -- to the present day, the biggest risk of banking is the lending activity that's inherent to the banking process? >> yes. >> do you regulate that at all? does the fdic and the occ have any regulatory oversight at all over to the lending process? >> yes. >> yeah. >> it's a considerable focus of our supervision. >> that's what i thought. lots of supervision of the ac