 for many banks, but it's one that we're trying to work through, one that we're very much aware of. And again, it'll be with us for some time. MS. Thank you. I think so much about the importance of these small regional community banks in small towns, big towns in Minnesota, and how important it is that, in my book, that they can stay independent and better serve their communities in that way. So I worry about this risk. Thank you, Mr. Chair. MR. Thank you, Ms. Smith. Senator Butler of California is recognized. MS. Thank you, Mr. Chairman.