On June 7th at the International Monetary Conference Jamie Dimon, CEO of JPMorgan Chase, commented following a Ben Bernake speech that Bank regulations were restricting growth. Having worked in commercial banking for more than fifteen years, and currently working with over 70 different lending sources, many of which are traditional banks, I can attest first hand that the pendulum has swung the other way and Banks are suffering due to increased regulation. The cost of managing a bank due to that regulation as well as the increased level of scrutiny and requirements that regulation has created, is making it very hard for commercial lenders and commercial banks to make loans. That has made it harder for commercial borrowers to get commercial loans, and has greatly increased the cost to borrow money for commercial projects. The inability to get financing is directly impacting my clients spending habits and the ability of business owners I work with to grow and hence create jobs and wealth. Are you seeing the negative effects of these increased regulations on your banking relationship?