These are challenging times for the banking industry. The headlines and newscasts have been focusing on the credit crisis, foreclosures and mergers and takeovers involving banks. It's more important than ever to belong to a trade association with staff that wake up every morning thinking about ways to help the banking industry. After the announcement of the Fannie Mae and Freddie Mac conservatorship program, the Texas Bankers Association and American Bankers Association participated in a series of conference calls with the regulators to discuss how the banking industry was affected, particularly those banks that owned Fannie and Freddie preferred stock. TBA also interceded on your behalf to amend Treasury Sec Henry Paulson's Sept 19 decree that money market mutual funds temporarily be insured for up to one year.