the best team of announcers, k ruk and kuip. [applause] >> the san diego padres -- the atlanta braves, the philadelphia phillies, the texas rangers, they are all otta here! [applause] -- outta here! i came to this organization in 1982 and i only knew the couple of things about it. one, it had a really bad ballpark. it used to have a center fielder by the name of willie mays. its current center fielder was some guy named chilly. i also knew that it had not won a change in ship. my daughter started in 1982 and i am happy to say, thanks to these gentlemen here, the torture is over! [applause] how great was that parade? i know everyone up here felt it. i know you felt it. everyone here today, you are standing here, and you are not standing alone. you are standing with the person who taught you the great story of the san francisco giants, whether it is your dad, mom, friend, a sister, grandpa. they taught you right. they thought you had to be loyal. you have to love your team. to a man on this team, to a man back in august, you fuel

we saw a ruk in the number of the smaller accounts and a corresponding reduction in expense significant enough to improve profitability. years later as more and more banks brought back free checking it took me a while to figure out what had changed. until i discovered they changed the dynamic and made the low balance high transaction account profitable. now i have every confidence in the industry and in small credit unions to find new product models to restore profitability and checking account products significant to their business. it's likely to come at the expense of less accountability. the experience of other countries would suggest overall usage of debit cards for payments would not decline significantly as a result of the regulation but as fees for checking accounts rise, i would expected more consumers to turn to prepaid debit cards. i am concerned about the level of consumer protection covering prepaid reloadable cards. the work required to implement other parts of the act, we couldn't get to it before the time came to transfer regulatory responsibility to the consumer financi

we saw a ruk in the number of the smaller accounts and a corresponding reduction in expense significant enough to improve profitability. years later as more and more banks brought back free checking it took me a while to figure out what had changed. until i discovered they changed the dynamic and made the low balance high transaction account profitable. now i have every confidence in the industry and in small credit unions to find new product models to restore profitability and checking account products significant to their business. it's likely to come at the expense of less accountability. the experience of other countries would suggest overall usage of debit cards for payments would not decline significantly as a result of the regulation but as fees for checking accounts rise, i would expected more consumers to turn to prepaid debit cards. i am concerned about the level of consumer protection covering prepaid reloadable cards. the work required to implement other parts of the act, we couldn't get to it before the time came to transfer regulatory responsibility to the consumer financi