Good morning, it is really a pleasure to join you by video. I would like to thank Supervision at the New York Fed for inviting me to join you at this year's Regional and Community Banking Conference. These forums enable us to continue our engagement with bankers in the industry to address a variety of issues and challenges that exist in the current banking environment. Some of the topics that will be covered today include contingency funding, operational readiness, market uncertainties, and banking innovations. I appreciate that you have joined us to discuss these and several other topics on our agenda. Before we get ... (full story)