housing may be one of them where you can sit down with the new senate banking committee chairman, richard selby -- richard shelby, and fines of the new can work on and send to the president's desk -- and find something you can work on and send to the president's desk? >> underneath our unique, arcane senate rules, it is still going to take at least half a dozen democrats to advance any particular proposition. so, it is not just dealing with chairman shelby. i had a number of conversations with my senate counterpart. i'm very optimistic there are a number of things we can work on. one thing we have to deal with is the sheer weight, cost, ambiguity of the washington redtape burden, particularly on our community financial institutions. again, since the passage of dodd-frank, the big banks have gotten bigger. the small banks have gotten fewer. consumers are seeing free checking go away. they are seeing the dreaded monthly fees credit cards come back. consumers have been harmed by many aspects of this. i know that i can work with chairman shelby on this. the unfortunate reality is that, for some dem