Koger, Don, and Dave


  1. As a society, we address things by crisis. Just think for a moment if we would be more proactive versus reactive and maybe what better decisions we might make as a society.

  2. When people are desperate, it can turn them into liars and cheats.

  3. Dodd-Frank: pages that go past the ceiling. Is it a good use or resources as a society too have five hundred attorneys trying to figure out how to interrupt different documentation?

  4. We know it won’t be good forever.

  5. You have to prune your branch network to be efficient and to be viable.