 Thank you all very much and thank you for joining us to sign this historic reform. This bill is the most important legislation for financial institutions in the last 50 years. It provides a long-term solution for troubled thrift institutions. It's pro-consumer granting small savers greater access to loan, importance of something that we've been saying since our administration took over. Being down inflation brings down interest rates, which brings back the index report. Down another one-tenth of one percent last month and up only 3.1 percent so far this year. If that rate holds steady, it'll be Senator Garn, Chairman St. Germain, along with Secretary Reagan and his fine team of Treasury. They did a remarkable job forging a consensus within the Congress and by their assistance. What this legislation does is expand the powers of thrift institutions by permitting the industry to make commercial loans and increase their consumer lending. It reduces their exposure to changes in the housing market and in interest rate levels. This in turn will make the thrift industry a stronger, more effective force in financing housing for millions of Americans in the years to come. I want to put this question at the top of the banking deregulatory agenda next year and I would strongly endorse such an initiative and hope that at the same time the Congress will consider other proposals for more comprehensive deregulation.