One of the things you have begun to roll out from a banking perspective and from a business investment perspective is your willingness to get into those types of communities. Are you doing that based on the fact that you think there's profitability there, or are you doing it because you realize a service needs to be delivered and you have a responsibility, as a financial institution in this country, to try to deliver that service?
On April 19th, 2007. See this statement in context.