I remember when my father passed away, we drove the funeral procession past the bank so he could say one last goodbye. That's how much the bank meant to my father.

I can tell you that when I travel the state, when I talk to people, they are really struggling, in a very real way. They're losing their jobs, they're losing their homes, they're dealing with financial challenges.

But if, if you take a look at what would have happened, I mean, do we need to see soup lines down the street to figure out what would have happened? We avoided - and all economists will tell you that millions of jobs were saved because of the Recovery Act, and we avoided a second Great Depression. That, that is a reality.

One of the biggest problems out there that I hear from my friends in the business community is that there's no lending, that it's tough to get a loan today.