. >> we have been working alongside the excellent people of huddy, led by sean donovan. -- excellent people of hudd, led by sean donovan. >> have a process that people can reach out to treasury would be very important, in my opinion. thank you. >> mr. secretary, i want to go back to this question about a stable functional financial systems. we talked about these potentially dangerous concentrations in commercial real estate. i want to look at the top end. six of the 19 stress tested banks hold real-estate loans that are a big percentage of their capital. with the commercial real estate losses, because of the way they are set up, they're likely to be much larger in 2011, 2012, and on into 2013. how can we be confident about the stability of these financial institutions without rerunning the stress tests to account for leeding troubles in commercial real estate lending? >> as i said, these loans and law sets -- losses and assets are board to be a challenge -- are going to be a challenge. i think it is fair to say that actual losses on the books -- again, this is a question that weelook

. >> we have been working alongside the excellent people of huddy, led by sean donovan. -- excellent people of hudd, led by sean donovan. >> have a process that people can reach out to treasury would be very important, in my opinion. thank you. >> mr. secretary, i want to go back to this question about a stable functional financial systems. we talked about these potentially dangerous concentrations in commercial reaa estate. i want to look at the top end. six of the 19 stress tested banks hold real-estate loans that are a big percentage of their capital. %ith the commercial real estate losses, because of the way they are set up, they're likely to be much larger in 2011, 2012, and on into 2013. how can we be confident about the stability of these financial institutions without rerunning the stress tests to account for leeding troubles in commercial real estate lending? >> as i said, these loans and law sets -- losses and assets are board to be a challenge -- are going to be a chaalenge. i think it is fair to say that actual losses on the books -- again, this is qustion that weelook at

. >> we have been working alongside the excellent people of huddy, led by sean donovan. -- excellent people of hudd, led by sean donovan. >> have a process that people can reach out to treasury would be very important, in my opinion. thank you. >> mr. secretary, i want to go back to this question about a stable functional financial systems. we talked about these potentially dangerous concentrations in commercial real estate. i want to look at the top end. six of the 19 stress tested banks hold real-estate loans that are a big percentage of their capital. with the commercial real estate losses, because of the way they are set up, they're likely to be much larger in 2011, 2012, and on into 2013. how can we be confident about the stability of these financial institutions without rerunning the stress tests to account for leeding troubles in commercial real estate lending? >> as i said, these loans and law sets -- losses and assets are board to be a challenge -- are going to be a challenge. i think it is fair to say that actual losses on the books -- again, this is a question that weelook

. >> we have been working alongside the excellent people of huddy, led by sean donovan. -- excellent people of hudd, led by sean donovan. >> have a process that people can reach out to treasury would be very important, in my opinion. thank you. >> mr. secretary, i want to go back to this question about a stable functional financial systems. we talked about these potentially dangerous concentrations in commercial real estate. i want to look at the top end. six of the 19 stress tested banks hold real-estate loans that are a big percentage of their capital. with the commercial real estate losses, because of the way they are set up, they're likely to be much larger in 2011, 2012, and on into 2013. how can we be confident about the stability of these financial institutions without rerunning the stress tests to account for leeding troubles in commercial real estate lending? >> as i said, these loans and law sets -- losses and assets are board to be a challenge -- are going to be a challenge. i think it is fair to say that actual losses on the books -- again, this is a question that weelook