well , i would say to the gentleman , we agree on this . 
competitive equity has got nothing to do with protecting the taxpayers , except the taxpayers who happen to own banks . 
that is where competitive equity comes in . 
the fact is that safety and soundness is what protects the taxpayers . 
competitive equity has to do with fairness to competitors . 
that does not implicate the treasury . 
mr. chairman , i yield such time as he may consume to the gentleman from texas ( mr. neugebauer ) xz4004410 . 
