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Right now, we need to go to our Michael McKee in Dublin.

Well, thank you very much, and we welcome Patrick Hart. to our Michael McKee in Dublin.

Well, thank you very much.

And we welcome Patrick Harker, the president

of the Philadelphia Fed for your first one-on-one media interview.

Thank you very much for joining us this morning.

I want to start with the news of the day, which was basically the news of yesterday

Janet Yellen saying that the Fed is going to ramp up scrutiny of banks.

...