As you look at the agenda, you’ll see that it is quite distinct from other conferences in mixing together researchers, practitioners, regulators, and policymakers. I am a big proponent of the thesis that examining issues from diverse perspectives and discussing those perspectives yields better policy and regulatory decisions. So I am very much looking forward to the conversations we will have over the next two days about the future of community banking. Today, I will focus the bulk of my remarks on the efforts being undertaken to modernize the Community Reinvestment Act. The views I’ll present are my own and not necessarily those of the Federal Reserve System or my colleagues on the Federal Open Market Committee.