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e e e e e e e e e e e e e e e e e e e e e e e e e e e e e e get e e committee will come to order without objection the chair is authorized to declare recess of the committee at any time this hearing is entitled examining drisking and its effects on access to financial services before we begin to before we begin today I'd like to thank the witnesses for appearing we appreciate your participation and look forward to the discussion I know that this is the second hearing in two days for this committee which is a little unusual but um I appreciate all the participation and we'll get a few more members here shortly it's a little early a lot of other activities going on this morning so bear with us uh and thank the committee members for their participation I now recognize myself for 5 minutes for the purpose of delivering opening statement in 2012 a group of Industry leaders came to me to tell me that they had lost access to financial services overnight their long-stan

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