former minnesota governor tim plenty is joined by fdic vice chairman thomas hannay at an event hosted by the office of the comptroller of the currency and boston university. this is an hour and 15 minutes. >> thank you for what i guess i would call a gracious introduction. many of you have probably watched me on mute, so now you can probably watch me talk. these two gentlemen certainly need no introduction. these are two of the most influential voices on the current state of banking. many of you probably thought he would hang up his hat into thousand 11, when after 20 years at that -- at that as the head of the kansas city fed he stepped down by law. your back and better than ever, i think we should say. i think we should start with some prepared remarks. i will ask a series of questions and then we will open it up to the audience's questions after that. >> well, i didn't know until this last panel that some people wish i had hung it up. [laughter] detoured is my model. knows what i'm good to talk about today, but you will learn that i may not be in agreement with some of the comments