I was on a local Chicago Bank board from 1992 to 2006 and I can vouch for the fact that we received a lot of pressure from the federal examiners to make loans to low and moderate income people. We were able to keep such loans to a minimum, but many banks simply through in the towel and loaded up on such loans. I don't know how many bad loans were made under CRA pressure, but I am sure there were alot of them.