{"version":"1.0.0","segments":[{"speaker":"Mark Treichel","startTime":35.23918367346939,"endTime":35.55898367346939,"body":"Hey"},{"speaker":"Mark Treichel","startTime":36.73908367346939,"endTime":37.15908367346939,"body":"everyone,"},{"speaker":"Mark Treichel","startTime":37.15908367346939,"endTime":37.30908367346939,"body":"this"},{"speaker":"Mark Treichel","startTime":37.319083673469386,"endTime":37.43908367346939,"body":"is"},{"speaker":"Mark Treichel","startTime":37.43908367346939,"endTime":37.68908367346939,"body":"Mark"},{"speaker":"Mark Treichel","startTime":37.70908367346939,"endTime":38.00908367346939,"body":"Teichel"},{"speaker":"Mark Treichel","startTime":38.00908367346939,"endTime":38.20908367346939,"body":"with"},{"speaker":"Mark Treichel","startTime":38.20908367346939,"endTime":38.55908367346939,"body":"another"},{"speaker":"Mark Treichel","startTime":38.55908367346939,"endTime":39.10908367346939,"body":"episode"},{"speaker":"Mark Treichel","startTime":39.10908367346939,"endTime":39.23908367346939,"body":"of"},{"speaker":"Mark Treichel","startTime":39.23908367346939,"endTime":39.44908367346939,"body":"With"},{"speaker":"Mark Treichel","startTime":39.44908367346939,"endTime":39.85908367346939,"body":"Flying"},{"speaker":"Mark Treichel","startTime":39.85908367346939,"endTime":40.37908367346939,"body":"Colors."},{"speaker":"Mark Treichel","startTime":40.37908367346939,"endTime":40.69908367346939,"body":"Today"},{"speaker":"Mark Treichel","startTime":40.69908367346939,"endTime":40.80908367346939,"body":"I'm"},{"speaker":"Mark Treichel","startTime":40.80908367346939,"endTime":40.86908367346939,"body":"going"},{"speaker":"Mark Treichel","startTime":40.86908367346939,"endTime":40.91908367346939,"body":"to"},{"speaker":"Mark Treichel","startTime":40.929083673469385,"endTime":41.069083673469386,"body":"be"},{"speaker":"Mark Treichel","startTime":41.069083673469386,"endTime":41.46908367346939,"body":"chatting"},{"speaker":"Mark Treichel","startTime":41.47908367346939,"endTime":41.69908367346939,"body":"about"},{"speaker":"Mark Treichel","startTime":41.70908367346939,"endTime":41.95908367346939,"body":"my"},{"speaker":"Mark Treichel","startTime":41.95908367346939,"endTime":42.59908367346939,"body":"takeaways"},{"speaker":"Mark Treichel","startTime":42.62908367346939,"endTime":42.79908367346939,"body":"from"},{"speaker":"Mark Treichel","startTime":42.79908367346939,"endTime":42.98908367346939,"body":"the"},{"speaker":"Mark Treichel","startTime":42.98908367346939,"endTime":43.65908367346939,"body":"NCUA"},{"speaker":"Mark Treichel","startTime":43.66908367346939,"endTime":44.00908367346939,"body":"board"},{"speaker":"Mark Treichel","startTime":44.00908367346939,"endTime":44.45908367346939,"body":"meeting"},{"speaker":"Mark Treichel","startTime":44.57908367346939,"endTime":45.00908367346939,"body":"last"},{"speaker":"Mark Treichel","startTime":45.00908367346939,"endTime":45.35908367346939,"body":"week,"},{"speaker":"Mark Treichel","startTime":45.43908267346939,"endTime":45.54908267346939,"body":"the"},{"speaker":"Mark Treichel","startTime":45.54908367346939,"endTime":45.90908367346939,"body":"first"},{"speaker":"Mark Treichel","startTime":45.90908367346939,"endTime":46.28908367346939,"body":"meeting"},{"speaker":"Mark Treichel","startTime":46.45908367346939,"endTime":46.77908367346939,"body":"for"},{"speaker":"Mark Treichel","startTime":46.789083673469385,"endTime":48.05908367346939,"body":"2024,"},{"speaker":"Mark Treichel","startTime":48.19908367346939,"endTime":48.33908367346939,"body":"and"},{"speaker":"Mark Treichel","startTime":48.33908367346939,"endTime":48.77908367346939,"body":"also"},{"speaker":"Mark Treichel","startTime":48.83908367346939,"endTime":48.93908317346939,"body":"a"},{"speaker":"Mark Treichel","startTime":48.93908317346939,"endTime":49.479082673469385,"body":"historic"},{"speaker":"Mark Treichel","startTime":49.479082673469385,"endTime":49.84908267346939,"body":"meeting"},{"speaker":"Mark Treichel","startTime":49.85908367346939,"endTime":50.19908367346939,"body":"in"},{"speaker":"Mark Treichel","startTime":50.20908367346939,"endTime":50.51908367346939,"body":"that"},{"speaker":"Mark Treichel","startTime":50.539083673469385,"endTime":50.71908367346939,"body":"it"},{"speaker":"Mark Treichel","startTime":50.71908367346939,"endTime":50.93908317346939,"body":"was"},{"speaker":"Mark Treichel","startTime":50.93908317346939,"endTime":51.10908267346939,"body":"the"},{"speaker":"Mark Treichel","startTime":51.11908367346939,"endTime":51.49908367346939,"body":"first"},{"speaker":"Mark Treichel","startTime":51.52908367346939,"endTime":51.899083173469386,"body":"board"},{"speaker":"Mark Treichel","startTime":51.899083173469386,"endTime":52.249082673469395,"body":"meeting"},{"speaker":"Mark Treichel","startTime":52.24908367346939,"endTime":52.44908317346939,"body":"for"},{"speaker":"Mark Treichel","startTime":52.44908317346939,"endTime":52.92908267346939,"body":"Tonya,"},{"speaker":"Mark Treichel","startTime":53.629083673469395,"endTime":53.81908367346939,"body":"for"},{"speaker":"Mark Treichel","startTime":53.81908367346939,"endTime":54.31908367346939,"body":"Tanya."},{"speaker":"Mark Treichel","startTime":54.66408367346939,"endTime":55.21408367346939,"body":"Otsuka,"},{"speaker":"Mark Treichel","startTime":55.344083673469385,"endTime":55.474083673469394,"body":"the"},{"speaker":"Mark Treichel","startTime":55.474083673469394,"endTime":55.7840836734694,"body":"new"},{"speaker":"Mark Treichel","startTime":55.864083673469395,"endTime":56.49408367346939,"body":"Democrat"},{"speaker":"Mark Treichel","startTime":56.57408367346939,"endTime":56.864083673469395,"body":"board"},{"speaker":"Mark Treichel","startTime":56.864083673469395,"endTime":57.224083673469394,"body":"member"},{"speaker":"Mark Treichel","startTime":58.0440836734694,"endTime":58.35408367346939,"body":"on"},{"speaker":"Mark Treichel","startTime":58.60408367346939,"endTime":58.834083673469394,"body":"the"},{"speaker":"Mark Treichel","startTime":58.834083673469394,"endTime":59.44408367346939,"body":"NCUA"},{"speaker":"Mark Treichel","startTime":59.5640836734694,"endTime":59.9540836734694,"body":"board."},{"speaker":"Mark Treichel","startTime":60.29408367346939,"endTime":60.614083673469395,"body":"So"},{"speaker":"Mark Treichel","startTime":60.644083673469396,"endTime":60.79408367346939,"body":"I'll"},{"speaker":"Mark Treichel","startTime":60.79408367346939,"endTime":60.9840836734694,"body":"have"},{"speaker":"Mark Treichel","startTime":60.9840836734694,"endTime":61.13408367346939,"body":"some"},{"speaker":"Mark Treichel","startTime":61.13408367346939,"endTime":61.474083673469394,"body":"thoughts"},{"speaker":"Mark Treichel","startTime":61.474083673469394,"endTime":61.614083673469395,"body":"on"},{"speaker":"Mark Treichel","startTime":61.614083673469395,"endTime":61.90408367346939,"body":"what"},{"speaker":"Mark Treichel","startTime":61.9740836734694,"endTime":62.204083673469405,"body":"board"},{"speaker":"Mark Treichel","startTime":62.204083673469405,"endTime":62.424083673469404,"body":"member"},{"speaker":"Mark Treichel","startTime":62.454083673469405,"endTime":62.814083673469405,"body":"Otsuka"},{"speaker":"Mark Treichel","startTime":62.82408367346941,"endTime":63.034083673469404,"body":"had"},{"speaker":"Mark Treichel","startTime":63.034083673469404,"endTime":63.13408367346941,"body":"to"},{"speaker":"Mark Treichel","startTime":63.13408367346941,"endTime":63.5040836734694,"body":"say,"},{"speaker":"Mark Treichel","startTime":63.87408367346941,"endTime":64.00408367346941,"body":"of"},{"speaker":"Mark Treichel","startTime":64.00408367346941,"endTime":64.28408367346941,"body":"course,"},{"speaker":"Mark Treichel","startTime":64.3040826734694,"endTime":64.6440826734694,"body":"chairman"},{"speaker":"Mark Treichel","startTime":64.6440826734694,"endTime":65.1040826734694,"body":"Harper,"},{"speaker":"Mark Treichel","startTime":65.1440826734694,"endTime":65.3040826734694,"body":"and"},{"speaker":"Mark Treichel","startTime":65.31408367346941,"endTime":65.3940831734694,"body":"of"},{"speaker":"Mark Treichel","startTime":65.3940831734694,"endTime":65.7040826734694,"body":"course,"},{"speaker":"Mark Treichel","startTime":65.72408267346941,"endTime":65.9840826734694,"body":"vice"},{"speaker":"Mark Treichel","startTime":65.9840836734694,"endTime":66.4540836734694,"body":"chairman"},{"speaker":"Mark Treichel","startTime":66.75408367346941,"endTime":66.9540836734694,"body":"Al"},{"speaker":"Mark Treichel","startTime":66.9540836734694,"endTime":67.34408367346941,"body":"Houtman"},{"speaker":"Mark Treichel","startTime":67.7740826734694,"endTime":68.07408267346939,"body":"we'll"},{"speaker":"Mark Treichel","startTime":68.07408267346939,"endTime":68.29408267346939,"body":"talk"},{"speaker":"Mark Treichel","startTime":68.29408267346939,"endTime":68.35408267346939,"body":"a"},{"speaker":"Mark Treichel","startTime":68.35408267346939,"endTime":68.54408267346939,"body":"little"},{"speaker":"Mark Treichel","startTime":68.54408267346939,"endTime":68.67408217346939,"body":"bit"},{"speaker":"Mark Treichel","startTime":68.67408217346939,"endTime":68.97408167346939,"body":"about"},{"speaker":"Mark Treichel","startTime":68.99408267346939,"endTime":69.1640826734694,"body":"what"},{"speaker":"Mark Treichel","startTime":69.1640826734694,"endTime":69.24408267346939,"body":"it"},{"speaker":"Mark Treichel","startTime":69.24408267346939,"endTime":69.50408267346938,"body":"means"},{"speaker":"Mark Treichel","startTime":69.50408267346938,"endTime":69.6640826734694,"body":"for"},{"speaker":"Mark Treichel","startTime":69.6640826734694,"endTime":69.9140826734694,"body":"fair"},{"speaker":"Mark Treichel","startTime":69.9140826734694,"endTime":70.3840826734694,"body":"lending,"},{"speaker":"Mark Treichel","startTime":70.39408167346939,"endTime":70.59408167346939,"body":"what"},{"speaker":"Mark Treichel","startTime":70.59408267346939,"endTime":70.6640826734694,"body":"it"},{"speaker":"Mark Treichel","startTime":70.6640826734694,"endTime":70.9440821734694,"body":"means"},{"speaker":"Mark Treichel","startTime":70.9440821734694,"endTime":71.08408167346938,"body":"for"},{"speaker":"Mark Treichel","startTime":71.08408267346938,"endTime":71.5040826734694,"body":"consumer"},{"speaker":"Mark Treichel","startTime":71.5040826734694,"endTime":72.2240826734694,"body":"compliance,"},{"speaker":"Mark Treichel","startTime":73.4140816734694,"endTime":73.81408167346939,"body":"what"},{"speaker":"Mark Treichel","startTime":74.0540826734694,"endTime":74.42408267346939,"body":"the"},{"speaker":"Mark Treichel","startTime":74.45408267346939,"endTime":74.7240826734694,"body":"hat"},{"speaker":"Mark Treichel","startTime":74.74408267346939,"endTime":75.0040826734694,"body":"tip"},{"speaker":"Mark Treichel","startTime":75.0240826734694,"endTime":75.37408267346939,"body":"was"},{"speaker":"Mark Treichel","startTime":75.39408267346938,"endTime":75.58408267346938,"body":"to"},{"speaker":"Mark Treichel","startTime":75.58408267346938,"endTime":75.7540826734694,"body":"what"},{"speaker":"Mark Treichel","startTime":75.7540826734694,"endTime":75.86408267346938,"body":"the"},{"speaker":"Mark Treichel","startTime":75.87408267346939,"endTime":76.4740826734694,"body":"priorities"},{"speaker":"Mark Treichel","startTime":76.4740826734694,"endTime":76.70408267346939,"body":"might"},{"speaker":"Mark Treichel","startTime":76.70408267346939,"endTime":76.87408267346939,"body":"be"},{"speaker":"Mark Treichel","startTime":76.87408267346939,"endTime":77.08408267346938,"body":"for"},{"speaker":"Mark Treichel","startTime":77.08408267346938,"endTime":77.54408267346939,"body":"NCUA"},{"speaker":"Mark Treichel","startTime":77.54408267346939,"endTime":77.79408267346939,"body":"in"},{"speaker":"Mark Treichel","startTime":77.79408267346939,"endTime":77.93408267346939,"body":"their"},{"speaker":"Mark Treichel","startTime":77.93408267346939,"endTime":78.3840826734694,"body":"priority"},{"speaker":"Mark Treichel","startTime":78.3840826734694,"endTime":78.6340826734694,"body":"letter"},{"speaker":"Mark Treichel","startTime":78.6340826734694,"endTime":78.8040826734694,"body":"that's"},{"speaker":"Mark Treichel","startTime":78.8040826734694,"endTime":79.10408267346939,"body":"coming"},{"speaker":"Mark Treichel","startTime":79.10408267346939,"endTime":79.34408267346939,"body":"out,"},{"speaker":"Mark Treichel","startTime":80.03408267346938,"endTime":80.22408267346938,"body":"a"},{"speaker":"Mark Treichel","startTime":80.25408267346938,"endTime":80.46408267346938,"body":"little"},{"speaker":"Mark Treichel","startTime":80.46408267346938,"endTime":80.96408267346938,"body":"discussion"},{"speaker":"Mark Treichel","startTime":80.97408267346938,"endTime":81.12408267346939,"body":"on"},{"speaker":"Mark Treichel","startTime":81.12408267346939,"endTime":81.72408267346938,"body":"recording"},{"speaker":"Mark Treichel","startTime":81.74408267346938,"endTime":82.37408267346939,"body":"exam"},{"speaker":"Mark Treichel","startTime":82.42408167346939,"endTime":82.8840816734694,"body":"exit"},{"speaker":"Mark Treichel","startTime":82.92408167346939,"endTime":83.40408167346939,"body":"meetings."},{"speaker":"Mark Treichel","startTime":83.84408267346939,"endTime":84.58408267346938,"body":"And"},{"speaker":"Mark Treichel","startTime":84.59408267346939,"endTime":85.13408267346938,"body":"the"},{"speaker":"Mark Treichel","startTime":85.73408267346939,"endTime":86.21408267346938,"body":"renewed"},{"speaker":"Mark Treichel","startTime":86.21408267346938,"endTime":86.65408267346938,"body":"focus"},{"speaker":"Mark Treichel","startTime":86.68408267346938,"endTime":87.13408267346938,"body":"on"},{"speaker":"Mark Treichel","startTime":87.85408267346939,"endTime":88.12408267346937,"body":"credit"},{"speaker":"Mark Treichel","startTime":88.1340826734694,"endTime":88.48408267346939,"body":"unions"},{"speaker":"Mark Treichel","startTime":88.48408267346939,"endTime":88.73408267346939,"body":"getting"},{"speaker":"Mark Treichel","startTime":88.73408267346939,"endTime":88.8840826734694,"body":"their"},{"speaker":"Mark Treichel","startTime":88.8840826734694,"endTime":89.26408267346939,"body":"exam"},{"speaker":"Mark Treichel","startTime":89.26408267346939,"endTime":89.68408267346938,"body":"reports"},{"speaker":"Mark Treichel","startTime":89.68408267346938,"endTime":89.80408267346938,"body":"in"},{"speaker":"Mark Treichel","startTime":89.80408267346938,"endTime":89.86408267346938,"body":"a"},{"speaker":"Mark Treichel","startTime":89.86408267346938,"endTime":90.28408267346937,"body":"timely"},{"speaker":"Mark Treichel","startTime":90.29408267346939,"endTime":90.83408267346938,"body":"fashion,"},{"speaker":"Mark Treichel","startTime":91.2740826734694,"endTime":91.67408267346939,"body":"a"},{"speaker":"Mark Treichel","startTime":91.78408267346938,"endTime":92.26408267346939,"body":"reference"},{"speaker":"Mark Treichel","startTime":92.26408267346939,"endTime":92.6340826734694,"body":"to"},{"speaker":"Mark Treichel","startTime":92.67408267346939,"endTime":92.8840826734694,"body":"the"},{"speaker":"Mark Treichel","startTime":92.90408167346939,"endTime":93.28408167346939,"body":"equal"},{"speaker":"Mark Treichel","startTime":93.29408267346939,"endTime":93.82408267346939,"body":"footing"},{"speaker":"Mark Treichel","startTime":93.85408267346939,"endTime":94.15408217346939,"body":"that"},{"speaker":"Mark Treichel","startTime":94.15408217346939,"endTime":94.36408167346939,"body":"they're"},{"speaker":"Mark Treichel","startTime":94.36408167346939,"endTime":94.84408167346939,"body":"striving"},{"speaker":"Mark Treichel","startTime":94.84408267346939,"endTime":94.93408267346939,"body":"to"},{"speaker":"Mark Treichel","startTime":94.93408267346939,"endTime":95.29408267346939,"body":"achieve"},{"speaker":"Mark Treichel","startTime":95.3040826734694,"endTime":95.66408267346938,"body":"between"},{"speaker":"Mark Treichel","startTime":95.6640826734694,"endTime":96.10408267346939,"body":"consumer"},{"speaker":"Mark Treichel","startTime":96.10408267346939,"endTime":96.69408267346938,"body":"compliance"},{"speaker":"Mark Treichel","startTime":96.72408267346938,"endTime":96.92408267346939,"body":"and"},{"speaker":"Mark Treichel","startTime":96.92408267346939,"endTime":97.14408267346938,"body":"fair"},{"speaker":"Mark Treichel","startTime":97.14408267346938,"endTime":97.57408267346939,"body":"lending,"},{"speaker":"Mark Treichel","startTime":97.81408167346939,"endTime":98.00408167346939,"body":"excuse"},{"speaker":"Mark Treichel","startTime":98.00408267346938,"endTime":98.19408267346938,"body":"me,"},{"speaker":"Mark Treichel","startTime":98.26408267346939,"endTime":98.70408267346939,"body":"consumer"},{"speaker":"Mark Treichel","startTime":98.70408267346939,"endTime":99.22408267346938,"body":"compliance"},{"speaker":"Mark Treichel","startTime":99.22408267346938,"endTime":99.37408267346939,"body":"and"},{"speaker":"Mark Treichel","startTime":99.37408267346939,"endTime":99.68408267346939,"body":"safety"},{"speaker":"Mark Treichel","startTime":99.68408267346939,"endTime":99.79408267346939,"body":"and"},{"speaker":"Mark Treichel","startTime":99.79408267346939,"endTime":100.28408267346938,"body":"soundness."},{"speaker":"Mark Treichel","startTime":100.75408267346938,"endTime":101.43408267346939,"body":"And"},{"speaker":"Mark Treichel","startTime":101.48408267346939,"endTime":101.76408267346937,"body":"next"},{"speaker":"Mark Treichel","startTime":101.77408267346938,"endTime":102.13408267346938,"body":"steps"},{"speaker":"Mark Treichel","startTime":102.13408267346938,"endTime":102.33408267346938,"body":"is"},{"speaker":"Mark Treichel","startTime":102.34408267346939,"endTime":102.55408267346938,"body":"that"},{"speaker":"Mark Treichel","startTime":102.55408267346938,"endTime":102.64408267346938,"body":"the"},{"speaker":"Mark Treichel","startTime":102.64408267346938,"endTime":103.07408267346938,"body":"priority"},{"speaker":"Mark Treichel","startTime":103.07408267346938,"endTime":103.28408267346938,"body":"letter"},{"speaker":"Mark Treichel","startTime":103.28408267346938,"endTime":103.43408267346938,"body":"will"},{"speaker":"Mark Treichel","startTime":103.44408267346938,"endTime":103.60408267346938,"body":"come"},{"speaker":"Mark Treichel","startTime":103.60408267346938,"endTime":103.80408267346938,"body":"out,"},{"speaker":"Mark Treichel","startTime":103.81408267346939,"endTime":103.84408267346939,"body":"and"},{"speaker":"Mark Treichel","startTime":103.84408267346939,"endTime":103.95408267346939,"body":"I'll"},{"speaker":"Mark Treichel","startTime":103.95408267346939,"endTime":104.13408267346938,"body":"say"},{"speaker":"Mark Treichel","startTime":104.13408267346938,"endTime":104.29408267346938,"body":"what"},{"speaker":"Mark Treichel","startTime":104.29408267346938,"endTime":104.36408267346938,"body":"I"},{"speaker":"Mark Treichel","startTime":104.37408267346939,"endTime":104.57408267346938,"body":"think"},{"speaker":"Mark Treichel","startTime":104.57408267346938,"endTime":104.78408267346938,"body":"that"},{"speaker":"Mark Treichel","startTime":104.78408267346938,"endTime":104.99408267346938,"body":"might"},{"speaker":"Mark Treichel","startTime":104.99408267346938,"endTime":105.35408267346938,"body":"mean."},{"speaker":"Mark Treichel","startTime":105.73408267346939,"endTime":105.93408267346939,"body":"It's"},{"speaker":"Mark Treichel","startTime":105.93408267346939,"endTime":105.99408267346939,"body":"a"},{"speaker":"Mark Treichel","startTime":105.99408267346939,"endTime":106.1440826734694,"body":"little"},{"speaker":"Mark Treichel","startTime":106.1440826734694,"endTime":106.3940826734694,"body":"bit"},{"speaker":"Mark Treichel","startTime":106.4140826734694,"endTime":106.5840826734694,"body":"of"},{"speaker":"Mark Treichel","startTime":106.5840826734694,"endTime":106.6640826734694,"body":"a"},{"speaker":"Mark Treichel","startTime":106.6640826734694,"endTime":107.31408267346939,"body":"simplified"},{"speaker":"Mark Treichel","startTime":107.32408267346939,"endTime":107.74408267346939,"body":"plan,"},{"speaker":"Mark Treichel","startTime":107.74408267346939,"endTime":107.93408267346939,"body":"which"},{"speaker":"Mark Treichel","startTime":107.93408267346939,"endTime":108.06408267346939,"body":"is"},{"speaker":"Mark Treichel","startTime":108.06408267346939,"endTime":108.12408267346939,"body":"a"},{"speaker":"Mark Treichel","startTime":108.12408267346939,"endTime":108.34408217346939,"body":"good"},{"speaker":"Mark Treichel","startTime":108.34408217346939,"endTime":108.7740816734694,"body":"thing,"},{"speaker":"Mark Treichel","startTime":108.85408267346939,"endTime":109.0240826734694,"body":"and"},{"speaker":"Mark Treichel","startTime":109.0240826734694,"endTime":109.15408267346939,"body":"then"},{"speaker":"Mark Treichel","startTime":109.15408267346939,"endTime":109.4440826734694,"body":"also"},{"speaker":"Mark Treichel","startTime":109.4440826734694,"endTime":109.5040826734694,"body":"a"},{"speaker":"Mark Treichel","startTime":109.5040826734694,"endTime":110.0840826734694,"body":"discussion"},{"speaker":"Mark Treichel","startTime":110.0840826734694,"endTime":110.20408267346939,"body":"of"},{"speaker":"Mark Treichel","startTime":110.2140816734694,"endTime":110.8840816734694,"body":"NCUA's"},{"speaker":"Mark Treichel","startTime":110.92408167346939,"endTime":111.4340816734694,"body":"vacancy"},{"speaker":"Mark Treichel","startTime":111.43408267346939,"endTime":111.74408267346939,"body":"rates,"},{"speaker":"Mark Treichel","startTime":111.76408267346939,"endTime":112.04408267346939,"body":"which"},{"speaker":"Mark Treichel","startTime":112.0840826734694,"endTime":112.3640826734694,"body":"were"},{"speaker":"Mark Treichel","startTime":112.37408267346939,"endTime":112.74408267346939,"body":"brought"},{"speaker":"Mark Treichel","startTime":112.8340826734694,"endTime":113.0840826734694,"body":"up."},{"speaker":"Mark Treichel","startTime":113.6040826734694,"endTime":113.7840826734694,"body":"All"},{"speaker":"Mark Treichel","startTime":113.7840826734694,"endTime":114.1140826734694,"body":"right"},{"speaker":"Mark Treichel","startTime":114.1740826734694,"endTime":114.3340826734694,"body":"I"},{"speaker":"Mark Treichel","startTime":114.3340826734694,"endTime":114.6840826734694,"body":"think"},{"speaker":"Mark Treichel","startTime":114.7440826734694,"endTime":115.1440826734694,"body":"one"},{"speaker":"Mark Treichel","startTime":115.15408267346939,"endTime":115.68408267346939,"body":"way"},{"speaker":"Mark Treichel","startTime":115.7340826734694,"endTime":116.50408267346938,"body":"to"},{"speaker":"Mark Treichel","startTime":116.5140826734694,"endTime":116.81408267346939,"body":"get"},{"speaker":"Mark Treichel","startTime":116.8340826734694,"endTime":117.0240826734694,"body":"a"},{"speaker":"Mark Treichel","startTime":117.03408267346938,"endTime":117.71408267346939,"body":"flavor"},{"speaker":"Mark Treichel","startTime":117.7640826734694,"endTime":118.71408267346939,"body":"of"},{"speaker":"Mark Treichel","startTime":118.91408267346941,"endTime":119.0840826734694,"body":"how"},{"speaker":"Mark Treichel","startTime":119.0840826734694,"endTime":119.28408267346938,"body":"this"},{"speaker":"Mark Treichel","startTime":119.28408267346938,"endTime":119.6140826734694,"body":"board"},{"speaker":"Mark Treichel","startTime":119.6140826734694,"endTime":120.13408267346941,"body":"meeting"},{"speaker":"Mark Treichel","startTime":120.15408167346939,"endTime":120.6140816734694,"body":"went"},{"speaker":"Mark Treichel","startTime":120.63408267346941,"endTime":120.88408267346941,"body":"is"},{"speaker":"Mark Treichel","startTime":120.88408267346941,"endTime":121.0440826734694,"body":"to"},{"speaker":"Mark Treichel","startTime":121.0440826734694,"endTime":121.31408267346939,"body":"go"},{"speaker":"Mark Treichel","startTime":121.31408267346939,"endTime":121.6040826734694,"body":"to"},{"speaker":"Mark Treichel","startTime":121.6040826734694,"endTime":121.7640826734694,"body":"the"},{"speaker":"Mark Treichel","startTime":121.7740816734694,"endTime":122.0840816734694,"body":"press"},{"speaker":"Mark Treichel","startTime":122.0840826734694,"endTime":122.6440826734694,"body":"releases"},{"speaker":"Mark Treichel","startTime":122.6440826734694,"endTime":122.84408267346939,"body":"that"},{"speaker":"Mark Treichel","startTime":122.84408267346939,"endTime":123.34408267346939,"body":"followed"},{"speaker":"Mark Treichel","startTime":123.34408267346939,"endTime":123.5740826734694,"body":"from"},{"speaker":"Mark Treichel","startTime":123.5740826734694,"endTime":124.47408267346938,"body":"NCUA,"},{"speaker":"Mark Treichel","startTime":124.96408267346939,"endTime":125.4940821734694,"body":"and"},{"speaker":"Mark Treichel","startTime":125.4940821734694,"endTime":125.60408167346941,"body":"I'm"},{"speaker":"Mark Treichel","startTime":125.6040826734694,"endTime":125.75408267346941,"body":"going"},{"speaker":"Mark Treichel","startTime":125.75408267346941,"endTime":125.8640826734694,"body":"to"},{"speaker":"Mark Treichel","startTime":125.87408167346939,"endTime":126.50408167346941,"body":"pull"},{"speaker":"Mark Treichel","startTime":126.59408267346942,"endTime":127.03408267346941,"body":"them"},{"speaker":"Mark Treichel","startTime":127.07408167346941,"endTime":127.34408167346939,"body":"up"},{"speaker":"Mark Treichel","startTime":127.34408267346942,"endTime":128.0240826734694,"body":"here"},{"speaker":"Mark Treichel","startTime":129.16408167346938,"endTime":129.3940816734694,"body":"and"},{"speaker":"Mark Treichel","startTime":129.4040816734694,"endTime":129.5940816734694,"body":"give"},{"speaker":"Mark Treichel","startTime":129.5940826734694,"endTime":129.6840826734694,"body":"you"},{"speaker":"Mark Treichel","startTime":129.6840826734694,"endTime":129.72408217346938,"body":"a"},{"speaker":"Mark Treichel","startTime":129.72408217346938,"endTime":129.8940816734694,"body":"little"},{"speaker":"Mark Treichel","startTime":129.8940816734694,"endTime":130.0440816734694,"body":"bit"},{"speaker":"Mark Treichel","startTime":130.0440836734694,"endTime":130.1540826734694,"body":"of"},{"speaker":"Mark Treichel","startTime":130.1540826734694,"endTime":130.22408167346939,"body":"a"},{"speaker":"Mark Treichel","startTime":130.22408167346939,"endTime":130.82408167346938,"body":"soundbite"},{"speaker":"Mark Treichel","startTime":130.8540826734694,"endTime":131.1140826734694,"body":"from"},{"speaker":"Mark Treichel","startTime":131.13408167346938,"endTime":131.5640816734694,"body":"each"},{"speaker":"Mark Treichel","startTime":131.6040826734694,"endTime":131.8140826734694,"body":"of"},{"speaker":"Mark Treichel","startTime":131.8740826734694,"endTime":132.2340826734694,"body":"the"},{"speaker":"Mark Treichel","startTime":132.2640826734694,"endTime":132.75408267346938,"body":"three"},{"speaker":"Mark Treichel","startTime":132.8040826734694,"endTime":133.1240826734694,"body":"board"},{"speaker":"Mark Treichel","startTime":133.1240826734694,"endTime":133.72408267346938,"body":"members."},{"speaker":"Mark Treichel","startTime":133.79408267346938,"endTime":133.9340826734694,"body":"The"},{"speaker":"Mark Treichel","startTime":133.9340826734694,"endTime":134.3640826734694,"body":"summary"},{"speaker":"Mark Treichel","startTime":134.3640826734694,"endTime":134.5240826734694,"body":"that"},{"speaker":"Mark Treichel","startTime":134.73408267346937,"endTime":135.1240826734694,"body":"NCOA"},{"speaker":"Mark Treichel","startTime":135.16408267346938,"endTime":135.73408267346937,"body":"issued"},{"speaker":"Mark Treichel","startTime":135.79408267346938,"endTime":135.99408267346936,"body":"for"},{"speaker":"Mark Treichel","startTime":135.99408267346936,"endTime":136.37408267346936,"body":"Chairman"},{"speaker":"Mark Treichel","startTime":136.38408267346935,"endTime":136.91408267346935,"body":"Harper"},{"speaker":"Mark Treichel","startTime":137.06408267346936,"endTime":137.34408267346936,"body":"had"},{"speaker":"Mark Treichel","startTime":137.35408267346935,"endTime":137.59408267346936,"body":"this"},{"speaker":"Mark Treichel","startTime":137.59408267346936,"endTime":137.98408267346935,"body":"quote,"},{"speaker":"Mark Treichel","startTime":138.02408267346934,"endTime":138.21408267346936,"body":"and"},{"speaker":"Mark Treichel","startTime":138.21408267346936,"endTime":138.37408267346936,"body":"this"},{"speaker":"Mark Treichel","startTime":138.37408267346936,"endTime":138.66408267346935,"body":"is"},{"speaker":"Mark Treichel","startTime":138.91408267346935,"endTime":139.16408267346935,"body":"a"},{"speaker":"Mark Treichel","startTime":139.16408267346935,"endTime":139.44408267346935,"body":"direct"},{"speaker":"Mark Treichel","startTime":139.48408267346935,"endTime":139.80408267346934,"body":"quote"},{"speaker":"Mark Treichel","startTime":139.80408267346934,"endTime":140.13408267346935,"body":"from"},{"speaker":"Mark Treichel","startTime":140.18408267346936,"endTime":140.50408267346936,"body":"Chairman"},{"speaker":"Mark Treichel","startTime":140.50408267346936,"endTime":140.97408267346935,"body":"Harper."},{"speaker":"Mark Treichel","startTime":141.30408267346934,"endTime":141.50408267346936,"body":"The"},{"speaker":"Mark Treichel","startTime":141.50408267346936,"endTime":142.23408267346935,"body":"NCOA"},{"speaker":"Mark Treichel","startTime":142.27408167346934,"endTime":142.49408167346934,"body":"in"},{"speaker":"Mark Treichel","startTime":142.49408267346934,"endTime":142.71408267346936,"body":"2024"},{"speaker":"Mark Treichel","startTime":143.56408167346936,"endTime":143.74408167346934,"body":"will"},{"speaker":"Mark Treichel","startTime":143.74408267346934,"endTime":144.25408267346936,"body":"continue"},{"speaker":"Mark Treichel","startTime":144.25408267346936,"endTime":144.41408267346935,"body":"to"},{"speaker":"Mark Treichel","startTime":144.41408267346935,"endTime":144.79408267346935,"body":"address"},{"speaker":"Mark Treichel","startTime":144.79408267346935,"endTime":145.29408267346935,"body":"consumer"},{"speaker":"Mark Treichel","startTime":145.29408267346935,"endTime":145.78408267346936,"body":"financial"},{"speaker":"Mark Treichel","startTime":145.78408267346936,"endTime":146.41408267346935,"body":"protection"},{"speaker":"Mark Treichel","startTime":146.42408267346934,"endTime":146.65408267346936,"body":"on"},{"speaker":"Mark Treichel","startTime":146.67408267346934,"endTime":147.05408267346934,"body":"equal"},{"speaker":"Mark Treichel","startTime":147.06408167346936,"endTime":147.51408167346935,"body":"footing"},{"speaker":"Mark Treichel","startTime":147.70408267346934,"endTime":147.91408267346935,"body":"with"},{"speaker":"Mark Treichel","startTime":147.91408267346935,"endTime":148.36408267346934,"body":"safety"},{"speaker":"Mark Treichel","startTime":148.38408267346935,"endTime":148.52408217346934,"body":"and"},{"speaker":"Mark Treichel","startTime":148.52408217346934,"endTime":148.90408167346936,"body":"soundness."},{"speaker":"Mark Treichel","startTime":149.42408267346934,"endTime":149.60408267346935,"body":"In"},{"speaker":"Mark Treichel","startTime":149.60408267346935,"endTime":149.97408267346933,"body":"support"},{"speaker":"Mark Treichel","startTime":149.97408267346933,"endTime":150.11408267346934,"body":"of"},{"speaker":"Mark Treichel","startTime":150.11408267346934,"endTime":150.30408267346934,"body":"this"},{"speaker":"Mark Treichel","startTime":150.30408267346934,"endTime":150.60408267346935,"body":"goal,"},{"speaker":"Mark Treichel","startTime":150.60408267346935,"endTime":150.83408267346934,"body":"the"},{"speaker":"Mark Treichel","startTime":150.83408267346934,"endTime":151.43408267346933,"body":"NCOA"},{"speaker":"Mark Treichel","startTime":151.44408267346932,"endTime":151.66408267346935,"body":"will"},{"speaker":"Mark Treichel","startTime":151.68408267346933,"endTime":152.11408267346934,"body":"increase"},{"speaker":"Mark Treichel","startTime":152.11408267346934,"endTime":152.22408267346933,"body":"the"},{"speaker":"Mark Treichel","startTime":152.22408267346933,"endTime":152.66408267346935,"body":"target"},{"speaker":"Mark Treichel","startTime":152.66408267346935,"endTime":152.84408267346933,"body":"for"},{"speaker":"Mark Treichel","startTime":152.84408267346933,"endTime":153.10408267346935,"body":"fair"},{"speaker":"Mark Treichel","startTime":153.10408267346935,"endTime":153.47408267346933,"body":"lending"},{"speaker":"Mark Treichel","startTime":153.47408267346933,"endTime":154.01408267346935,"body":"exams"},{"speaker":"Mark Treichel","startTime":154.05408267346934,"endTime":154.35408267346935,"body":"by"},{"speaker":"Mark Treichel","startTime":154.37408267346933,"endTime":154.75408267346933,"body":"10,"},{"speaker":"Mark Treichel","startTime":155.11408267346934,"endTime":155.48408267346935,"body":"moving"},{"speaker":"Mark Treichel","startTime":155.48408267346935,"endTime":155.70408267346934,"body":"from"},{"speaker":"Mark Treichel","startTime":155.70408267346934,"endTime":156.22408267346933,"body":"50"},{"speaker":"Mark Treichel","startTime":156.27408267346934,"endTime":156.46408267346933,"body":"to"},{"speaker":"Mark Treichel","startTime":156.47408267346933,"endTime":157.01408267346935,"body":"60,"},{"speaker":"Mark Treichel","startTime":157.24408267346934,"endTime":157.40408217346933,"body":"to"},{"speaker":"Mark Treichel","startTime":157.40408217346933,"endTime":157.82408167346935,"body":"ensure"},{"speaker":"Mark Treichel","startTime":157.82408267346935,"endTime":158.14408267346934,"body":"credit"},{"speaker":"Mark Treichel","startTime":158.14408267346934,"endTime":158.50408267346933,"body":"unions"},{"speaker":"Mark Treichel","startTime":158.50408267346933,"endTime":158.59408267346933,"body":"are"},{"speaker":"Mark Treichel","startTime":158.59408267346933,"endTime":159.14408267346934,"body":"complying"},{"speaker":"Mark Treichel","startTime":159.14408267346934,"endTime":159.28408267346933,"body":"with"},{"speaker":"Mark Treichel","startTime":159.28408267346933,"endTime":159.38408267346935,"body":"the"},{"speaker":"Mark Treichel","startTime":159.38408267346935,"endTime":159.74408267346934,"body":"laws"},{"speaker":"Mark Treichel","startTime":159.74408267346934,"endTime":160.40408267346933,"body":"established"},{"speaker":"Mark Treichel","startTime":160.64408267346934,"endTime":160.80408267346934,"body":"to"},{"speaker":"Mark Treichel","startTime":160.83408267346934,"endTime":161.32408267346935,"body":"protect"},{"speaker":"Mark Treichel","startTime":161.33408267346934,"endTime":161.82408267346935,"body":"consumers"},{"speaker":"Mark Treichel","startTime":161.83408267346934,"endTime":162.27408267346934,"body":"against"},{"speaker":"Mark Treichel","startTime":162.28408267346933,"endTime":163.13408267346935,"body":"discrimination."},{"speaker":"Mark Treichel","startTime":163.81908267346935,"endTime":164.23908267346934,"body":"Also,"},{"speaker":"Mark Treichel","startTime":164.23908267346934,"endTime":164.42908267346934,"body":"the"},{"speaker":"Mark Treichel","startTime":164.42908267346934,"endTime":164.92908267346934,"body":"NCOA"},{"speaker":"Mark Treichel","startTime":164.93908267346936,"endTime":165.05908267346936,"body":"will"},{"speaker":"Mark Treichel","startTime":165.05908267346936,"endTime":165.51908267346934,"body":"continue"},{"speaker":"Mark Treichel","startTime":165.51908267346934,"endTime":165.63908267346935,"body":"to"},{"speaker":"Mark Treichel","startTime":165.63908267346935,"endTime":166.07908267346934,"body":"focus"},{"speaker":"Mark Treichel","startTime":166.07908267346934,"endTime":166.23908267346934,"body":"on"},{"speaker":"Mark Treichel","startTime":166.23908267346934,"endTime":166.66908267346935,"body":"rising"},{"speaker":"Mark Treichel","startTime":166.66908267346935,"endTime":166.83908267346936,"body":"and"},{"speaker":"Mark Treichel","startTime":166.83908267346936,"endTime":167.49908267346936,"body":"continuing"},{"speaker":"Mark Treichel","startTime":167.50908267346935,"endTime":168.09908267346935,"body":"challenges"},{"speaker":"Mark Treichel","startTime":168.09908267346935,"endTime":168.36908267346936,"body":"within"},{"speaker":"Mark Treichel","startTime":168.36908267346936,"endTime":168.47908267346935,"body":"the"},{"speaker":"Mark Treichel","startTime":168.47908267346935,"endTime":168.79908267346934,"body":"credit"},{"speaker":"Mark Treichel","startTime":168.79908267346934,"endTime":169.11908267346936,"body":"union"},{"speaker":"Mark Treichel","startTime":169.11908267346936,"endTime":169.62908267346936,"body":"system."},{"speaker":"Mark Treichel","startTime":170.10908267346935,"endTime":170.35908267346935,"body":"Those"},{"speaker":"Mark Treichel","startTime":170.35908267346935,"endTime":170.68908267346936,"body":"risks"},{"speaker":"Mark Treichel","startTime":170.68908267346936,"endTime":171.20908267346937,"body":"include"},{"speaker":"Mark Treichel","startTime":171.21908267346936,"endTime":171.89908267346937,"body":"liquidity,"},{"speaker":"Mark Treichel","startTime":171.95908267346937,"endTime":172.39908267346937,"body":"interest"},{"speaker":"Mark Treichel","startTime":172.39908267346937,"endTime":172.69908267346935,"body":"rate,"},{"speaker":"Mark Treichel","startTime":172.83908167346937,"endTime":173.21908167346936,"body":"credit,"},{"speaker":"Mark Treichel","startTime":173.25908167346935,"endTime":173.43908167346936,"body":"and"},{"speaker":"Mark Treichel","startTime":173.43908267346936,"endTime":174.03908267346935,"body":"compliance"},{"speaker":"Mark Treichel","startTime":174.03908267346935,"endTime":174.37908267346936,"body":"risk,"},{"speaker":"Mark Treichel","startTime":174.40908267346936,"endTime":174.58908217346936,"body":"as"},{"speaker":"Mark Treichel","startTime":174.58908217346936,"endTime":174.84908167346936,"body":"well"},{"speaker":"Mark Treichel","startTime":174.84908267346935,"endTime":175.03908267346935,"body":"as"},{"speaker":"Mark Treichel","startTime":175.03908267346935,"endTime":175.21908267346936,"body":"the"},{"speaker":"Mark Treichel","startTime":175.26908267346934,"endTime":176.10908267346935,"body":"omnipresent"},{"speaker":"Mark Treichel","startTime":176.25908167346935,"endTime":176.78908167346935,"body":"cyber"},{"speaker":"Mark Treichel","startTime":176.86908267346936,"endTime":177.46908217346936,"body":"security"},{"speaker":"Mark Treichel","startTime":177.46908217346936,"endTime":177.72908167346935,"body":"risk."},{"speaker":"Mark Treichel","startTime":178.27908267346933,"endTime":178.63908267346935,"body":"Alright"},{"speaker":"Mark Treichel","startTime":178.64908167346934,"endTime":178.98908167346934,"body":"that's"},{"speaker":"Mark Treichel","startTime":179.07908067346935,"endTime":179.22908067346935,"body":"in"},{"speaker":"Mark Treichel","startTime":179.22908167346935,"endTime":179.27908167346936,"body":"a"},{"speaker":"Mark Treichel","startTime":179.27908167346936,"endTime":179.88908167346935,"body":"nutshell,"},{"speaker":"Mark Treichel","startTime":180.29908167346937,"endTime":180.53908167346935,"body":"Todd"},{"speaker":"Mark Treichel","startTime":180.53908167346935,"endTime":180.70908167346937,"body":"had"},{"speaker":"Mark Treichel","startTime":180.70908167346937,"endTime":180.92908117346937,"body":"much"},{"speaker":"Mark Treichel","startTime":180.92908117346937,"endTime":181.09908067346936,"body":"more"},{"speaker":"Mark Treichel","startTime":181.09908067346936,"endTime":181.18908067346936,"body":"to"},{"speaker":"Mark Treichel","startTime":181.18908067346936,"endTime":181.42908067346937,"body":"say,"},{"speaker":"Mark Treichel","startTime":181.42908067346937,"endTime":181.58908067346937,"body":"but"},{"speaker":"Mark Treichel","startTime":181.58908067346937,"endTime":181.83908067346937,"body":"that's"},{"speaker":"Mark Treichel","startTime":181.83908067346937,"endTime":182.03908067346936,"body":"what"},{"speaker":"Mark Treichel","startTime":182.03908167346935,"endTime":182.22908167346935,"body":"they"},{"speaker":"Mark Treichel","startTime":182.22908167346935,"endTime":182.78908167346935,"body":"highlighted"},{"speaker":"Mark Treichel","startTime":182.84908167346936,"endTime":182.89908167346937,"body":"in"},{"speaker":"Mark Treichel","startTime":182.89908167346937,"endTime":183.13908167346938,"body":"his"},{"speaker":"Mark Treichel","startTime":183.13908167346938,"endTime":183.43908167346936,"body":"press"},{"speaker":"Mark Treichel","startTime":183.43908167346936,"endTime":183.75908167346935,"body":"release"},{"speaker":"Mark Treichel","startTime":183.75908167346935,"endTime":183.94908167346938,"body":"that"},{"speaker":"Mark Treichel","startTime":183.94908167346938,"endTime":184.18908167346936,"body":"caught"},{"speaker":"Mark Treichel","startTime":184.18908167346936,"endTime":184.50908167346935,"body":"my"},{"speaker":"Mark Treichel","startTime":184.50908167346935,"endTime":184.54908167346937,"body":"attention."},{"speaker":"Mark Treichel","startTime":184.88908167346935,"endTime":185.06908167346936,"body":"My"},{"speaker":"Mark Treichel","startTime":185.06908167346936,"endTime":185.44908167346935,"body":"ear"},{"speaker":"Mark Treichel","startTime":185.48908167346934,"endTime":185.70908167346934,"body":"caught"},{"speaker":"Mark Treichel","startTime":185.70908167346934,"endTime":185.86908167346937,"body":"my"},{"speaker":"Mark Treichel","startTime":185.91908167346935,"endTime":186.17908167346937,"body":"eye."},{"speaker":"Mark Treichel","startTime":186.89908167346934,"endTime":187.10908167346935,"body":"So"},{"speaker":"Mark Treichel","startTime":187.10908167346935,"endTime":187.59908167346936,"body":"relative"},{"speaker":"Mark Treichel","startTime":187.59908167346936,"endTime":187.65908167346936,"body":"to"},{"speaker":"Mark Treichel","startTime":187.65908167346936,"endTime":187.74908167346933,"body":"the"},{"speaker":"Mark Treichel","startTime":187.74908167346933,"endTime":188.46908167346933,"body":"priorities"},{"speaker":"Mark Treichel","startTime":188.92908167346937,"endTime":189.24908167346936,"body":"on"},{"speaker":"Mark Treichel","startTime":189.29908167346935,"endTime":189.68908167346936,"body":"last"},{"speaker":"Mark Treichel","startTime":189.68908167346936,"endTime":189.99908167346936,"body":"week,"},{"speaker":"Mark Treichel","startTime":189.99908167346936,"endTime":190.11908167346937,"body":"I"},{"speaker":"Mark Treichel","startTime":190.13908167346935,"endTime":190.29908167346935,"body":"did"},{"speaker":"Mark Treichel","startTime":190.29908167346935,"endTime":190.37908167346936,"body":"a"},{"speaker":"Mark Treichel","startTime":190.60908167346935,"endTime":190.90908167346936,"body":"podcast"},{"speaker":"Mark Treichel","startTime":190.90908167346936,"endTime":191.00908167346935,"body":"on"},{"speaker":"Mark Treichel","startTime":191.00908167346935,"endTime":191.21908167346936,"body":"what"},{"speaker":"Mark Treichel","startTime":191.21908167346936,"endTime":191.31908167346936,"body":"I"},{"speaker":"Mark Treichel","startTime":191.32908167346935,"endTime":191.66908167346935,"body":"think"},{"speaker":"Mark Treichel","startTime":191.72908167346935,"endTime":191.97908167346935,"body":"will"},{"speaker":"Mark Treichel","startTime":191.97908167346935,"endTime":192.10908167346935,"body":"be"},{"speaker":"Mark Treichel","startTime":192.10908167346935,"endTime":192.18908167346936,"body":"in"},{"speaker":"Mark Treichel","startTime":192.18908167346936,"endTime":192.26908167346934,"body":"the"},{"speaker":"Mark Treichel","startTime":192.26908167346934,"endTime":192.78908167346935,"body":"priorities"},{"speaker":"Mark Treichel","startTime":192.78908167346935,"endTime":193.19908167346935,"body":"letter"},{"speaker":"Mark Treichel","startTime":193.23908167346934,"endTime":193.44908167346935,"body":"and"},{"speaker":"Mark Treichel","startTime":193.45908167346937,"endTime":193.67908167346937,"body":"all"},{"speaker":"Mark Treichel","startTime":193.67908167346937,"endTime":193.80908117346937,"body":"of"},{"speaker":"Mark Treichel","startTime":193.80908117346937,"endTime":194.05908067346937,"body":"those"},{"speaker":"Mark Treichel","startTime":194.05908067346937,"endTime":194.15908067346936,"body":"are"},{"speaker":"Mark Treichel","startTime":194.15908167346936,"endTime":194.43908167346936,"body":"there."},{"speaker":"Mark Treichel","startTime":194.44908167346935,"endTime":194.53908167346935,"body":"I"},{"speaker":"Mark Treichel","startTime":194.53908167346935,"endTime":194.86908167346937,"body":"think"},{"speaker":"Mark Treichel","startTime":194.89908167346937,"endTime":195.02908167346936,"body":"I"},{"speaker":"Mark Treichel","startTime":195.02908167346936,"endTime":195.29908167346935,"body":"thought"},{"speaker":"Mark Treichel","startTime":195.29908167346935,"endTime":195.40908167346936,"body":"they"},{"speaker":"Mark Treichel","startTime":195.40908167346936,"endTime":195.61908167346937,"body":"might"},{"speaker":"Mark Treichel","startTime":195.61908167346937,"endTime":195.94908167346935,"body":"also"},{"speaker":"Mark Treichel","startTime":195.94908167346935,"endTime":196.11908167346937,"body":"add"},{"speaker":"Mark Treichel","startTime":196.11908167346937,"endTime":196.84908117346936,"body":"concentration"},{"speaker":"Mark Treichel","startTime":196.84908117346936,"endTime":197.08908067346937,"body":"risk."},{"speaker":"Mark Treichel","startTime":198.02908167346936,"endTime":198.55908167346934,"body":"Normally,"},{"speaker":"Mark Treichel","startTime":198.55908167346934,"endTime":198.80908167346934,"body":"that"},{"speaker":"Mark Treichel","startTime":198.80908167346934,"endTime":199.05908167346934,"body":"letter"},{"speaker":"Mark Treichel","startTime":199.05908167346934,"endTime":199.17908167346934,"body":"would"},{"speaker":"Mark Treichel","startTime":199.17908167346934,"endTime":199.28908167346935,"body":"have"},{"speaker":"Mark Treichel","startTime":199.29908067346935,"endTime":199.48908067346935,"body":"come"},{"speaker":"Mark Treichel","startTime":199.48908167346934,"endTime":199.70908167346937,"body":"out."},{"speaker":"Mark Treichel","startTime":200.12408167346936,"endTime":200.68408167346936,"body":"Last"},{"speaker":"Mark Treichel","startTime":200.80408167346937,"endTime":201.33408167346937,"body":"week"},{"speaker":"Mark Treichel","startTime":201.39408167346934,"endTime":201.53408167346933,"body":"the"},{"speaker":"Mark Treichel","startTime":201.53408167346933,"endTime":201.77408167346934,"body":"last"},{"speaker":"Mark Treichel","startTime":201.78408167346933,"endTime":201.95408167346935,"body":"two"},{"speaker":"Mark Treichel","startTime":201.95408167346935,"endTime":202.04408167346935,"body":"or"},{"speaker":"Mark Treichel","startTime":202.04408167346935,"endTime":202.23408167346935,"body":"three"},{"speaker":"Mark Treichel","startTime":202.23408167346935,"endTime":202.48408167346935,"body":"years"},{"speaker":"Mark Treichel","startTime":202.48408167346935,"endTime":202.60408167346935,"body":"at"},{"speaker":"Mark Treichel","startTime":202.60408167346935,"endTime":203.01408167346935,"body":"NCOA,"},{"speaker":"Mark Treichel","startTime":203.05408167346934,"endTime":203.27408167346934,"body":"that"},{"speaker":"Mark Treichel","startTime":203.27408167346934,"endTime":203.46408167346934,"body":"was"},{"speaker":"Mark Treichel","startTime":203.46408167346934,"endTime":203.56408167346933,"body":"the"},{"speaker":"Mark Treichel","startTime":203.56408167346933,"endTime":203.81408167346933,"body":"week"},{"speaker":"Mark Treichel","startTime":203.85408167346935,"endTime":204.02408167346934,"body":"that"},{"speaker":"Mark Treichel","startTime":204.02408167346934,"endTime":204.10408167346935,"body":"it"},{"speaker":"Mark Treichel","startTime":204.10408167346935,"endTime":204.27408167346934,"body":"would"},{"speaker":"Mark Treichel","startTime":204.27408167346934,"endTime":204.44408167346933,"body":"come"},{"speaker":"Mark Treichel","startTime":204.44408167346933,"endTime":204.66408167346933,"body":"out."},{"speaker":"Mark Treichel","startTime":204.70408167346935,"endTime":204.84408167346933,"body":"I"},{"speaker":"Mark Treichel","startTime":204.84408167346933,"endTime":205.28408167346933,"body":"think"},{"speaker":"Mark Treichel","startTime":205.72408167346936,"endTime":206.06408167346936,"body":"chairman"},{"speaker":"Mark Treichel","startTime":206.06408167346936,"endTime":206.37408167346933,"body":"Harper"},{"speaker":"Mark Treichel","startTime":206.37408167346933,"endTime":206.61408167346934,"body":"was"},{"speaker":"Mark Treichel","startTime":206.63408167346935,"endTime":207.14408167346934,"body":"cognizant"},{"speaker":"Mark Treichel","startTime":207.14408167346934,"endTime":207.22408167346936,"body":"of"},{"speaker":"Mark Treichel","startTime":207.22408167346936,"endTime":207.30408167346934,"body":"the"},{"speaker":"Mark Treichel","startTime":207.30408167346934,"endTime":207.66408117346936,"body":"fact"},{"speaker":"Mark Treichel","startTime":207.66408117346936,"endTime":207.92408067346935,"body":"that"},{"speaker":"Mark Treichel","startTime":208.03408167346936,"endTime":208.28408167346936,"body":"with"},{"speaker":"Mark Treichel","startTime":208.28408167346936,"endTime":208.42408167346935,"body":"it"},{"speaker":"Mark Treichel","startTime":208.43408167346934,"endTime":208.69408167346936,"body":"being"},{"speaker":"Mark Treichel","startTime":208.70408167346935,"endTime":209.02408167346934,"body":"board"},{"speaker":"Mark Treichel","startTime":209.02408167346934,"endTime":209.50408167346936,"body":"member"},{"speaker":"Mark Treichel","startTime":209.56408167346936,"endTime":210.10408167346935,"body":"Otsuka's"},{"speaker":"Mark Treichel","startTime":210.12408067346934,"endTime":210.48408067346935,"body":"first"},{"speaker":"Mark Treichel","startTime":210.51408167346935,"endTime":210.82408167346935,"body":"board"},{"speaker":"Mark Treichel","startTime":210.82408167346935,"endTime":211.22408167346936,"body":"meeting,"},{"speaker":"Mark Treichel","startTime":211.32408167346935,"endTime":211.70408167346935,"body":"that"},{"speaker":"Mark Treichel","startTime":211.71408167346934,"endTime":211.90408167346934,"body":"he"},{"speaker":"Mark Treichel","startTime":211.90408167346934,"endTime":212.05408167346934,"body":"didn't"},{"speaker":"Mark Treichel","startTime":212.05408167346934,"endTime":212.21408167346934,"body":"want"},{"speaker":"Mark Treichel","startTime":212.21408167346934,"endTime":212.26408167346935,"body":"to"},{"speaker":"Mark Treichel","startTime":212.27408167346934,"endTime":212.56408167346936,"body":"bury"},{"speaker":"Mark Treichel","startTime":212.56408167346936,"endTime":212.67408167346935,"body":"the"},{"speaker":"Mark Treichel","startTime":212.67408167346935,"endTime":212.98408167346935,"body":"lead,"},{"speaker":"Mark Treichel","startTime":212.99408067346934,"endTime":213.22408067346936,"body":"which"},{"speaker":"Mark Treichel","startTime":213.22408167346936,"endTime":213.51408167346935,"body":"was"},{"speaker":"Mark Treichel","startTime":213.55408167346934,"endTime":213.84408167346933,"body":"her"},{"speaker":"Mark Treichel","startTime":213.84408167346933,"endTime":214.41408167346935,"body":"arriving"},{"speaker":"Mark Treichel","startTime":214.74408167346934,"endTime":214.90408117346936,"body":"and"},{"speaker":"Mark Treichel","startTime":214.90408117346936,"endTime":215.00408067346933,"body":"he"},{"speaker":"Mark Treichel","startTime":215.00408167346933,"endTime":215.24408167346934,"body":"also"},{"speaker":"Mark Treichel","startTime":215.24408167346934,"endTime":215.43408117346934,"body":"didn't"},{"speaker":"Mark Treichel","startTime":215.43408117346934,"endTime":215.59408067346936,"body":"want"},{"speaker":"Mark Treichel","startTime":215.59408067346936,"endTime":215.72408067346936,"body":"to"},{"speaker":"Mark Treichel","startTime":215.82408167346938,"endTime":216.10408117346935,"body":"bury"},{"speaker":"Mark Treichel","startTime":216.10408117346935,"endTime":216.24408067346934,"body":"the"},{"speaker":"Mark Treichel","startTime":216.24408267346934,"endTime":216.54408267346935,"body":"lead"},{"speaker":"Mark Treichel","startTime":216.55408167346934,"endTime":216.70408167346937,"body":"of"},{"speaker":"Mark Treichel","startTime":216.70408167346937,"endTime":216.82408167346938,"body":"the"},{"speaker":"Mark Treichel","startTime":216.82408167346938,"endTime":217.25408117346933,"body":"priority"},{"speaker":"Mark Treichel","startTime":217.25408117346933,"endTime":217.55408067346934,"body":"letter."},{"speaker":"Mark Treichel","startTime":217.55408167346934,"endTime":217.73408167346935,"body":"So"},{"speaker":"Mark Treichel","startTime":217.73408167346935,"endTime":217.88408167346938,"body":"you"},{"speaker":"Mark Treichel","startTime":217.88408167346938,"endTime":218.00408117346933,"body":"can"},{"speaker":"Mark Treichel","startTime":218.00408117346933,"endTime":218.43408067346934,"body":"expect,"},{"speaker":"Mark Treichel","startTime":218.44408067346933,"endTime":218.58408067346937,"body":"in"},{"speaker":"Mark Treichel","startTime":218.58408067346937,"endTime":218.72408067346936,"body":"my"},{"speaker":"Mark Treichel","startTime":218.72408167346936,"endTime":219.17408167346935,"body":"opinion,"},{"speaker":"Mark Treichel","startTime":219.17418167346938,"endTime":219.33408167346937,"body":"to"},{"speaker":"Mark Treichel","startTime":219.33408167346937,"endTime":219.49398167346936,"body":"see"},{"speaker":"Mark Treichel","startTime":219.49408167346934,"endTime":219.57408167346938,"body":"the"},{"speaker":"Mark Treichel","startTime":219.57408167346938,"endTime":220.00408167346933,"body":"priority"},{"speaker":"Mark Treichel","startTime":220.00408167346933,"endTime":220.39408167346937,"body":"letter"},{"speaker":"Mark Treichel","startTime":220.49408167346934,"endTime":220.7540816734694,"body":"this"},{"speaker":"Mark Treichel","startTime":220.7540816734694,"endTime":221.14408167346937,"body":"week."},{"speaker":"Mark Treichel","startTime":221.45408167346935,"endTime":221.61408167346934,"body":"I'll"},{"speaker":"Mark Treichel","startTime":221.61408167346934,"endTime":221.74408167346934,"body":"do"},{"speaker":"Mark Treichel","startTime":221.74408167346934,"endTime":221.83408167346934,"body":"a"},{"speaker":"Mark Treichel","startTime":221.83408167346934,"endTime":222.42408167346935,"body":"podcast"},{"speaker":"Mark Treichel","startTime":222.42408167346935,"endTime":222.57408167346935,"body":"on"},{"speaker":"Mark Treichel","startTime":222.57408167346935,"endTime":222.73408167346935,"body":"it"},{"speaker":"Mark Treichel","startTime":223.01408167346935,"endTime":223.29408167346935,"body":"coming"},{"speaker":"Mark Treichel","startTime":223.29408167346935,"endTime":223.53408167346936,"body":"up,"},{"speaker":"Mark Treichel","startTime":223.56408167346936,"endTime":223.94408167346936,"body":"but"},{"speaker":"Mark Treichel","startTime":224.21408167346937,"endTime":224.42408167346935,"body":"he"},{"speaker":"Mark Treichel","startTime":224.42408167346935,"endTime":225.06408167346936,"body":"referenced"},{"speaker":"Mark Treichel","startTime":225.07408167346935,"endTime":225.43408167346936,"body":"what"},{"speaker":"Mark Treichel","startTime":225.46408167346937,"endTime":225.74408167346934,"body":"his"},{"speaker":"Mark Treichel","startTime":225.74408167346934,"endTime":226.22408167346936,"body":"concerns"},{"speaker":"Mark Treichel","startTime":226.22408167346936,"endTime":226.47408167346936,"body":"were,"},{"speaker":"Mark Treichel","startTime":226.47408167346936,"endTime":226.71408167346937,"body":"which"},{"speaker":"Mark Treichel","startTime":226.71408167346937,"endTime":226.82408167346935,"body":"to"},{"speaker":"Mark Treichel","startTime":226.82408167346935,"endTime":227.02408117346934,"body":"me"},{"speaker":"Mark Treichel","startTime":227.02408117346934,"endTime":227.43408067346934,"body":"means"},{"speaker":"Mark Treichel","startTime":227.50408167346936,"endTime":227.86408167346934,"body":"that"},{"speaker":"Mark Treichel","startTime":227.89408167346934,"endTime":228.20408167346935,"body":"he's"},{"speaker":"Mark Treichel","startTime":228.21408167346937,"endTime":228.43408167346934,"body":"seen"},{"speaker":"Mark Treichel","startTime":228.43408167346936,"endTime":228.53408167346936,"body":"the"},{"speaker":"Mark Treichel","startTime":228.53408167346936,"endTime":228.88408167346935,"body":"letter"},{"speaker":"Mark Treichel","startTime":228.88408167346935,"endTime":229.02408117346937,"body":"and"},{"speaker":"Mark Treichel","startTime":229.02408117346937,"endTime":229.21408067346937,"body":"those"},{"speaker":"Mark Treichel","startTime":229.21408167346937,"endTime":229.36408167346934,"body":"things."},{"speaker":"Mark Treichel","startTime":229.48408167346935,"endTime":229.57408167346935,"body":"are"},{"speaker":"Mark Treichel","startTime":229.57408167346935,"endTime":229.68408167346936,"body":"in"},{"speaker":"Mark Treichel","startTime":229.68408167346936,"endTime":229.77408167346934,"body":"the"},{"speaker":"Mark Treichel","startTime":229.77408167346934,"endTime":230.13408167346935,"body":"letter."},{"speaker":"Mark Treichel","startTime":230.18408167346936,"endTime":230.37408167346936,"body":"Now,"},{"speaker":"Mark Treichel","startTime":230.37408167346936,"endTime":230.80408167346934,"body":"perhaps"},{"speaker":"Mark Treichel","startTime":230.80408167346934,"endTime":231.03408167346936,"body":"there's"},{"speaker":"Mark Treichel","startTime":231.03408167346936,"endTime":231.36408167346934,"body":"more,"},{"speaker":"Mark Treichel","startTime":231.39408167346934,"endTime":231.54408167346935,"body":"but"},{"speaker":"Mark Treichel","startTime":231.54408167346935,"endTime":231.64408167346934,"body":"he"},{"speaker":"Mark Treichel","startTime":231.64408167346934,"endTime":232.17408167346935,"body":"highlighted"},{"speaker":"Mark Treichel","startTime":232.18408167346936,"endTime":232.50408167346936,"body":"those."},{"speaker":"Mark Treichel","startTime":232.99408167346934,"endTime":233.19408167346933,"body":"As"},{"speaker":"Mark Treichel","startTime":233.19408167346933,"endTime":233.45408167346937,"body":"far"},{"speaker":"Mark Treichel","startTime":233.45408167346937,"endTime":233.72408167346936,"body":"as"},{"speaker":"Mark Treichel","startTime":233.78408167346936,"endTime":234.50408167346933,"body":"the"},{"speaker":"Mark Treichel","startTime":234.92408167346935,"endTime":235.56408167346933,"body":"increase"},{"speaker":"Mark Treichel","startTime":235.58408167346934,"endTime":235.82408167346935,"body":"from"},{"speaker":"Mark Treichel","startTime":235.86408167346934,"endTime":236.22408167346936,"body":"50"},{"speaker":"Mark Treichel","startTime":236.22408167346936,"endTime":236.36408167346934,"body":"to"},{"speaker":"Mark Treichel","startTime":237.00408167346936,"endTime":237.24408167346934,"body":"60"},{"speaker":"Mark Treichel","startTime":237.37408167346933,"endTime":237.62408167346933,"body":"fair"},{"speaker":"Mark Treichel","startTime":237.62408167346933,"endTime":237.96408167346934,"body":"lending"},{"speaker":"Mark Treichel","startTime":237.96408167346934,"endTime":238.52408167346934,"body":"exams."},{"speaker":"Mark Treichel","startTime":238.60408167346932,"endTime":238.81408167346933,"body":"Now,"},{"speaker":"Mark Treichel","startTime":238.81408167346933,"endTime":239.12408167346933,"body":"last"},{"speaker":"Mark Treichel","startTime":239.12408167346933,"endTime":239.24408167346934,"body":"year,"},{"speaker":"Mark Treichel","startTime":239.24408167346934,"endTime":239.36408167346934,"body":"they"},{"speaker":"Mark Treichel","startTime":239.36408167346934,"endTime":239.53408167346936,"body":"only"},{"speaker":"Mark Treichel","startTime":239.54408167346935,"endTime":239.81408167346933,"body":"achieved"},{"speaker":"Mark Treichel","startTime":240.26408067346932,"endTime":240.47408067346936,"body":"about"},{"speaker":"Mark Treichel","startTime":240.48408167346935,"endTime":240.72408117346936,"body":"half"},{"speaker":"Mark Treichel","startTime":240.72408117346936,"endTime":240.83408067346932,"body":"of"},{"speaker":"Mark Treichel","startTime":240.8340816734693,"endTime":241.12408167346933,"body":"that."},{"speaker":"Mark Treichel","startTime":241.67408167346935,"endTime":241.88408167346932,"body":"Their"},{"speaker":"Mark Treichel","startTime":241.89408167346932,"endTime":242.24408167346934,"body":"goals"},{"speaker":"Mark Treichel","startTime":242.24408167346934,"endTime":242.36408167346934,"body":"and"},{"speaker":"Mark Treichel","startTime":242.36408167346934,"endTime":242.46408167346937,"body":"their"},{"speaker":"Mark Treichel","startTime":242.46408167346937,"endTime":242.94408167346933,"body":"achievements"},{"speaker":"Mark Treichel","startTime":242.94408167346933,"endTime":243.09408167346936,"body":"over"},{"speaker":"Mark Treichel","startTime":243.09408167346936,"endTime":243.14408167346932,"body":"the"},{"speaker":"Mark Treichel","startTime":243.14408167346932,"endTime":243.48408167346935,"body":"last"},{"speaker":"Mark Treichel","startTime":243.49408067346934,"endTime":243.74408067346934,"body":"three"},{"speaker":"Mark Treichel","startTime":243.74408067346934,"endTime":244.13408067346933,"body":"years"},{"speaker":"Mark Treichel","startTime":244.13408167346932,"endTime":244.46408167346937,"body":"range"},{"speaker":"Mark Treichel","startTime":244.46408167346937,"endTime":244.69408167346933,"body":"from"},{"speaker":"Mark Treichel","startTime":244.69408167346933,"endTime":244.78408117346936,"body":"in"},{"speaker":"Mark Treichel","startTime":244.78408117346936,"endTime":244.91408067346936,"body":"the"},{"speaker":"Mark Treichel","startTime":244.91408067346936,"endTime":245.32408067346933,"body":"20s"},{"speaker":"Mark Treichel","startTime":245.36408167346934,"endTime":245.49408167346934,"body":"to"},{"speaker":"Mark Treichel","startTime":245.53408067346936,"endTime":246.19408067346933,"body":"35."},{"speaker":"Mark Treichel","startTime":246.23408067346935,"endTime":246.38408067346933,"body":"They're"},{"speaker":"Mark Treichel","startTime":246.38408267346932,"endTime":246.60408217346935,"body":"going"},{"speaker":"Mark Treichel","startTime":246.60408217346935,"endTime":246.72408117346936,"body":"up"},{"speaker":"Mark Treichel","startTime":246.72408117346936,"endTime":246.83408067346932,"body":"to"},{"speaker":"Mark Treichel","startTime":246.83408067346932,"endTime":247.32408067346933,"body":"60."},{"speaker":"Mark Treichel","startTime":247.55408067346934,"endTime":247.81408067346933,"body":"He"},{"speaker":"Mark Treichel","startTime":247.81408067346933,"endTime":248.03408067346936,"body":"asked"},{"speaker":"Mark Treichel","startTime":248.03408167346936,"endTime":248.44408167346933,"body":"staff"},{"speaker":"Mark Treichel","startTime":249.37408167346933,"endTime":249.86408167346934,"body":"about"},{"speaker":"Mark Treichel","startTime":250.39408167346932,"endTime":250.5840816734693,"body":"in"},{"speaker":"Mark Treichel","startTime":250.5840816734693,"endTime":250.6040816734693,"body":"a"},{"speaker":"Mark Treichel","startTime":250.8340816734693,"endTime":251.05408167346934,"body":"Q"},{"speaker":"Mark Treichel","startTime":251.05408167346934,"endTime":251.14408167346932,"body":"and"},{"speaker":"Mark Treichel","startTime":251.14408167346932,"endTime":251.4840816734693,"body":"A"},{"speaker":"Mark Treichel","startTime":251.6140816734693,"endTime":252.18408167346928,"body":"what"},{"speaker":"Mark Treichel","startTime":253.24408167346928,"endTime":253.9140816734693,"body":"qualified"},{"speaker":"Mark Treichel","startTime":253.9140816734693,"endTime":254.05408167346928,"body":"is"},{"speaker":"Mark Treichel","startTime":254.07408167346932,"endTime":254.4640816734693,"body":"counting"},{"speaker":"Mark Treichel","startTime":254.4640816734693,"endTime":254.8340816734693,"body":"towards"},{"speaker":"Mark Treichel","startTime":254.8340816734693,"endTime":255.0440816734693,"body":"that"},{"speaker":"Mark Treichel","startTime":255.05408167346928,"endTime":255.4240816734693,"body":"number."},{"speaker":"Mark Treichel","startTime":256.4240816734693,"endTime":256.64408167346926,"body":"And"},{"speaker":"Mark Treichel","startTime":256.64408167346926,"endTime":256.7940816734693,"body":"the"},{"speaker":"Mark Treichel","startTime":256.7940816734693,"endTime":257.3440816734693,"body":"answer"},{"speaker":"Mark Treichel","startTime":257.6140806734693,"endTime":257.95408067346926,"body":"was"},{"speaker":"Mark Treichel","startTime":257.9740816734693,"endTime":258.1840816734693,"body":"that"},{"speaker":"Mark Treichel","startTime":258.1840816734693,"endTime":258.3040816734693,"body":"it"},{"speaker":"Mark Treichel","startTime":258.3040816734693,"endTime":258.5140816734693,"body":"could"},{"speaker":"Mark Treichel","startTime":258.5140816734693,"endTime":258.6240816734693,"body":"be"},{"speaker":"Mark Treichel","startTime":258.6240816734693,"endTime":258.6640816734693,"body":"a"},{"speaker":"Mark Treichel","startTime":258.6640816734693,"endTime":259.2640816734693,"body":"standalone"},{"speaker":"Mark Treichel","startTime":259.38408167346927,"endTime":259.5940816734693,"body":"fair"},{"speaker":"Mark Treichel","startTime":259.5940816734693,"endTime":259.9340816734693,"body":"lending"},{"speaker":"Mark Treichel","startTime":259.9340816734693,"endTime":260.44408167346927,"body":"exam."},{"speaker":"Mark Treichel","startTime":260.82408167346927,"endTime":260.98408167346923,"body":"But"},{"speaker":"Mark Treichel","startTime":260.98408167346923,"endTime":261.3140816734693,"body":"also"},{"speaker":"Mark Treichel","startTime":261.3140816734693,"endTime":261.45408167346926,"body":"they"},{"speaker":"Mark Treichel","startTime":261.45408167346926,"endTime":261.58408167346926,"body":"were"},{"speaker":"Mark Treichel","startTime":261.59408167346925,"endTime":261.7540816734693,"body":"going"},{"speaker":"Mark Treichel","startTime":261.7540816734693,"endTime":261.83408167346926,"body":"to"},{"speaker":"Mark Treichel","startTime":261.83408167346926,"endTime":262.04408167346924,"body":"be"},{"speaker":"Mark Treichel","startTime":262.08408167346926,"endTime":262.66408167346924,"body":"counting"},{"speaker":"Mark Treichel","startTime":262.7440816734692,"endTime":263.07408167346927,"body":"an"},{"speaker":"Mark Treichel","startTime":263.07408167346927,"endTime":263.66408167346924,"body":"expanded"},{"speaker":"Mark Treichel","startTime":263.66408167346924,"endTime":264.10408167346924,"body":"scope"},{"speaker":"Mark Treichel","startTime":264.11408167346923,"endTime":264.3040816734692,"body":"that"},{"speaker":"Mark Treichel","startTime":264.3040816734692,"endTime":264.45408167346926,"body":"they"},{"speaker":"Mark Treichel","startTime":264.45408167346926,"endTime":264.5040816734693,"body":"are"},{"speaker":"Mark Treichel","startTime":264.5040816734693,"endTime":265.19408167346927,"body":"developing"},{"speaker":"Mark Treichel","startTime":265.20408167346926,"endTime":265.40408167346925,"body":"for"},{"speaker":"Mark Treichel","startTime":265.40408167346925,"endTime":265.6840816734692,"body":"those"},{"speaker":"Mark Treichel","startTime":265.69408167346927,"endTime":266.0040816734693,"body":"credit"},{"speaker":"Mark Treichel","startTime":266.0040816734693,"endTime":266.42408167346923,"body":"unions"},{"speaker":"Mark Treichel","startTime":266.42408167346923,"endTime":266.63408167346927,"body":"that"},{"speaker":"Mark Treichel","startTime":266.83408167346926,"endTime":267.23408167346923,"body":"NCUA"},{"speaker":"Mark Treichel","startTime":267.23408167346923,"endTime":267.52408167346925,"body":"is"},{"speaker":"Mark Treichel","startTime":267.52408167346925,"endTime":268.3040816734692,"body":"responsible"},{"speaker":"Mark Treichel","startTime":268.3140816734693,"endTime":268.78408167346925,"body":"for"},{"speaker":"Mark Treichel","startTime":269.17408167346923,"endTime":269.40408167346925,"body":"fair"},{"speaker":"Mark Treichel","startTime":269.40408167346925,"endTime":269.7740811734693,"body":"lending"},{"speaker":"Mark Treichel","startTime":269.7740811734693,"endTime":269.88408067346927,"body":"and"},{"speaker":"Mark Treichel","startTime":269.88408167346927,"endTime":270.3040816734692,"body":"consumer"},{"speaker":"Mark Treichel","startTime":270.3040816734692,"endTime":270.91408167346924,"body":"compliance,"},{"speaker":"Mark Treichel","startTime":271.54408167346924,"endTime":271.67408167346923,"body":"the"},{"speaker":"Mark Treichel","startTime":271.67408167346923,"endTime":272.1240816734693,"body":"biggest"},{"speaker":"Mark Treichel","startTime":272.1240816734693,"endTime":272.4340816734692,"body":"ones,"},{"speaker":"Mark Treichel","startTime":272.4740816734693,"endTime":272.79408167346924,"body":"and"},{"speaker":"Mark Treichel","startTime":272.8040816734692,"endTime":272.9540816734693,"body":"he"},{"speaker":"Mark Treichel","startTime":272.9540816734693,"endTime":273.6440811734693,"body":"specifically"},{"speaker":"Mark Treichel","startTime":273.6440811734693,"endTime":274.1940806734692,"body":"referenced"},{"speaker":"Mark Treichel","startTime":274.2040816734692,"endTime":274.4840816734693,"body":"5"},{"speaker":"Mark Treichel","startTime":274.4940816734693,"endTime":274.9640816734693,"body":"billion"},{"speaker":"Mark Treichel","startTime":275.01408167346926,"endTime":275.2040816734692,"body":"to"},{"speaker":"Mark Treichel","startTime":275.2040816734692,"endTime":275.4440816734692,"body":"10"},{"speaker":"Mark Treichel","startTime":275.4440816734692,"endTime":275.8740816734693,"body":"billion,"},{"speaker":"Mark Treichel","startTime":275.9340806734692,"endTime":276.3140806734692,"body":"so"},{"speaker":"Mark Treichel","startTime":276.5040816734693,"endTime":276.71408117346925,"body":"they'll"},{"speaker":"Mark Treichel","startTime":276.71408117346925,"endTime":276.9540806734692,"body":"have"},{"speaker":"Mark Treichel","startTime":276.9540806734692,"endTime":277.1240806734693,"body":"their"},{"speaker":"Mark Treichel","startTime":277.1240806734693,"endTime":277.5040806734693,"body":"random"},{"speaker":"Mark Treichel","startTime":277.5040816734693,"endTime":278.1240816734693,"body":"sample"},{"speaker":"Mark Treichel","startTime":278.41408167346924,"endTime":278.5940816734693,"body":"that"},{"speaker":"Mark Treichel","startTime":278.5940816734693,"endTime":278.73408117346924,"body":"they"},{"speaker":"Mark Treichel","startTime":278.73408117346924,"endTime":278.9440806734692,"body":"come"},{"speaker":"Mark Treichel","startTime":278.9440816734692,"endTime":279.13408167346927,"body":"up"},{"speaker":"Mark Treichel","startTime":279.14408067346926,"endTime":279.41408067346924,"body":"with"},{"speaker":"Mark Treichel","startTime":279.4640806734693,"endTime":279.67408067346923,"body":"for"},{"speaker":"Mark Treichel","startTime":279.67408167346923,"endTime":280.0540816734692,"body":"the"},{"speaker":"Mark Treichel","startTime":280.0840816734693,"endTime":280.7240816734693,"body":"direct"},{"speaker":"Mark Treichel","startTime":281.3540816734693,"endTime":282.0040816734693,"body":"focused"},{"speaker":"Mark Treichel","startTime":282.01408167346926,"endTime":282.2840816734693,"body":"fair"},{"speaker":"Mark Treichel","startTime":282.2840816734693,"endTime":282.6540816734693,"body":"lending"},{"speaker":"Mark Treichel","startTime":282.6540816734693,"endTime":283.1640816734693,"body":"exams"},{"speaker":"Mark Treichel","startTime":283.1640816734693,"endTime":283.33408167346926,"body":"which"},{"speaker":"Mark Treichel","startTime":283.3540816734693,"endTime":283.45408167346926,"body":"will"},{"speaker":"Mark Treichel","startTime":283.45408167346926,"endTime":283.69408167346927,"body":"count"},{"speaker":"Mark Treichel","startTime":283.7340816734693,"endTime":284.0340816734693,"body":"towards"},{"speaker":"Mark Treichel","startTime":284.0340816734693,"endTime":284.14408167346926,"body":"the"},{"speaker":"Mark Treichel","startTime":284.14408167346926,"endTime":284.6540816734693,"body":"60"},{"speaker":"Mark Treichel","startTime":284.69408167346927,"endTime":284.9140816734693,"body":"and"},{"speaker":"Mark Treichel","startTime":284.9140816734693,"endTime":285.0340816734693,"body":"they"},{"speaker":"Mark Treichel","startTime":285.0340816734693,"endTime":285.2340816734693,"body":"will"},{"speaker":"Mark Treichel","startTime":285.2340816734693,"endTime":285.63408167346927,"body":"have"},{"speaker":"Mark Treichel","startTime":285.6840816734693,"endTime":286.2240816734693,"body":"those"},{"speaker":"Mark Treichel","startTime":286.2540816734693,"endTime":286.9140816734693,"body":"exams"},{"speaker":"Mark Treichel","startTime":286.94408167346927,"endTime":287.39408167346926,"body":"over"},{"speaker":"Mark Treichel","startTime":287.7240816734693,"endTime":287.9240816734693,"body":"of"},{"speaker":"Mark Treichel","startTime":287.9240816734693,"endTime":288.2140816734693,"body":"credit"},{"speaker":"Mark Treichel","startTime":288.2140816734693,"endTime":288.5440816734693,"body":"unions"},{"speaker":"Mark Treichel","startTime":288.5440816734693,"endTime":288.7740811734693,"body":"over"},{"speaker":"Mark Treichel","startTime":288.7740811734693,"endTime":289.01408067346927,"body":"5"},{"speaker":"Mark Treichel","startTime":289.02408067346926,"endTime":289.4740806734693,"body":"billion"},{"speaker":"Mark Treichel","startTime":289.5240816734693,"endTime":289.86408167346934,"body":"Between"},{"speaker":"Mark Treichel","startTime":289.86408167346934,"endTime":290.12408167346933,"body":"five"},{"speaker":"Mark Treichel","startTime":290.12408167346933,"endTime":290.2940816734693,"body":"and"},{"speaker":"Mark Treichel","startTime":290.3540816734693,"endTime":290.8240816734693,"body":"10"},{"speaker":"Mark Treichel","startTime":290.8240816734693,"endTime":291.18408167346934,"body":"billion"},{"speaker":"Mark Treichel","startTime":291.1940816734693,"endTime":291.37408167346933,"body":"that"},{"speaker":"Mark Treichel","startTime":291.37408167346933,"endTime":291.5240816734693,"body":"will"},{"speaker":"Mark Treichel","startTime":291.5240816734693,"endTime":291.7640816734693,"body":"have"},{"speaker":"Mark Treichel","startTime":291.7640816734693,"endTime":291.8540816734693,"body":"an"},{"speaker":"Mark Treichel","startTime":291.8540816734693,"endTime":292.49408167346934,"body":"expanded"},{"speaker":"Mark Treichel","startTime":292.49408167346934,"endTime":292.8440816734693,"body":"scope"},{"speaker":"Mark Treichel","startTime":292.8440816734693,"endTime":293.00408167346933,"body":"and"},{"speaker":"Mark Treichel","startTime":293.00408167346933,"endTime":293.2240816734693,"body":"those"},{"speaker":"Mark Treichel","startTime":293.24408167346934,"endTime":293.4440816734693,"body":"will"},{"speaker":"Mark Treichel","startTime":293.4640816734693,"endTime":293.74408167346934,"body":"count"},{"speaker":"Mark Treichel","startTime":293.7740816734693,"endTime":293.87408167346933,"body":"so"},{"speaker":"Mark Treichel","startTime":293.87408167346933,"endTime":294.0440816734693,"body":"that's"},{"speaker":"Mark Treichel","startTime":294.0440816734693,"endTime":294.1640816734693,"body":"how"},{"speaker":"Mark Treichel","startTime":294.1640816734693,"endTime":294.30408167346934,"body":"they're"},{"speaker":"Mark Treichel","startTime":294.30408167346934,"endTime":294.4140816734693,"body":"going"},{"speaker":"Mark Treichel","startTime":294.4140816734693,"endTime":294.4640816734693,"body":"to"},{"speaker":"Mark Treichel","startTime":294.4640816734693,"endTime":294.7140816734693,"body":"drag"},{"speaker":"Mark Treichel","startTime":294.7140816734693,"endTime":294.8340816734693,"body":"their"},{"speaker":"Mark Treichel","startTime":294.8340816734693,"endTime":295.1540816734693,"body":"numbers"},{"speaker":"Mark Treichel","startTime":295.1540816734693,"endTime":295.3440816734693,"body":"up"},{"speaker":"Mark Treichel","startTime":295.3540816734693,"endTime":295.4540816734693,"body":"by"},{"speaker":"Mark Treichel","startTime":295.4540816734693,"endTime":295.8940816734693,"body":"expanding"},{"speaker":"Mark Treichel","startTime":295.9040816734693,"endTime":295.9840816734693,"body":"the"},{"speaker":"Mark Treichel","startTime":295.9840816734693,"endTime":296.3240816734693,"body":"scope"},{"speaker":"Mark Treichel","startTime":296.3240816734693,"endTime":296.4840816734693,"body":"on"},{"speaker":"Mark Treichel","startTime":296.4840816734693,"endTime":296.5740816734693,"body":"the"},{"speaker":"Mark Treichel","startTime":296.5740816734693,"endTime":296.9040816734693,"body":"biggest"},{"speaker":"Mark Treichel","startTime":296.9040816734693,"endTime":297.17408167346935,"body":"credit"},{"speaker":"Mark Treichel","startTime":297.17408167346935,"endTime":297.5840816734693,"body":"unions,"},{"speaker":"Mark Treichel","startTime":297.86408167346934,"endTime":298.0240816734693,"body":"by"},{"speaker":"Mark Treichel","startTime":298.0240816734693,"endTime":298.1340811734693,"body":"the"},{"speaker":"Mark Treichel","startTime":298.1340811734693,"endTime":298.3240806734693,"body":"way,"},{"speaker":"Mark Treichel","startTime":298.3240816734693,"endTime":298.5440816734693,"body":"that's"},{"speaker":"Mark Treichel","startTime":298.5440816734693,"endTime":299.00408167346933,"body":"something"},{"speaker":"Mark Treichel","startTime":299.3340816734693,"endTime":299.5240816734693,"body":"that"},{"speaker":"Mark Treichel","startTime":299.5340816734693,"endTime":299.8540816734693,"body":"Todd's"},{"speaker":"Mark Treichel","startTime":299.87408167346933,"endTime":300.1940816734693,"body":"wanted"},{"speaker":"Mark Treichel","startTime":300.2040816734693,"endTime":300.3240816734693,"body":"to"},{"speaker":"Mark Treichel","startTime":300.3240816734693,"endTime":300.56408167346933,"body":"do"},{"speaker":"Mark Treichel","startTime":300.56408167346933,"endTime":300.80408117346934,"body":"since"},{"speaker":"Mark Treichel","startTime":300.80408117346934,"endTime":300.93408067346934,"body":"he"},{"speaker":"Mark Treichel","startTime":300.93408167346934,"endTime":301.1640816734693,"body":"was"},{"speaker":"Mark Treichel","startTime":301.1640816734693,"endTime":301.31408167346933,"body":"the"},{"speaker":"Mark Treichel","startTime":301.4140816734693,"endTime":301.6040811734693,"body":"he"},{"speaker":"Mark Treichel","startTime":301.6040811734693,"endTime":301.7740806734693,"body":"was"},{"speaker":"Mark Treichel","startTime":301.7740816734693,"endTime":301.8640816734693,"body":"the"},{"speaker":"Mark Treichel","startTime":301.8640816734693,"endTime":302.4240816734693,"body":"champion"},{"speaker":"Mark Treichel","startTime":302.5040816734693,"endTime":302.7240811734693,"body":"of"},{"speaker":"Mark Treichel","startTime":302.7740811734693,"endTime":302.91408067346936,"body":"a"},{"speaker":"Mark Treichel","startTime":302.91408067346936,"endTime":303.48408017346935,"body":"project"},{"speaker":"Mark Treichel","startTime":303.48408117346935,"endTime":303.62408067346934,"body":"when"},{"speaker":"Mark Treichel","startTime":303.62408067346934,"endTime":303.7140801734693,"body":"I"},{"speaker":"Mark Treichel","startTime":303.7140811734693,"endTime":303.92408117346935,"body":"was"},{"speaker":"Mark Treichel","startTime":303.9640811734693,"endTime":304.36408117346934,"body":"there"},{"speaker":"Mark Treichel","startTime":304.42408017346935,"endTime":304.68408017346934,"body":"of"},{"speaker":"Mark Treichel","startTime":304.73408117346935,"endTime":305.42408117346935,"body":"developing"},{"speaker":"Mark Treichel","startTime":305.43408017346934,"endTime":305.50408017346933,"body":"a"},{"speaker":"Mark Treichel","startTime":305.5040821734693,"endTime":306.2140821734693,"body":"transition"},{"speaker":"Mark Treichel","startTime":306.22408117346936,"endTime":306.43408067346934,"body":"for"},{"speaker":"Mark Treichel","startTime":306.43408067346934,"endTime":306.6440801734693,"body":"big"},{"speaker":"Mark Treichel","startTime":306.6540811734693,"endTime":306.9640811734693,"body":"credit"},{"speaker":"Mark Treichel","startTime":306.9640811734693,"endTime":307.35408067346935,"body":"unions"},{"speaker":"Mark Treichel","startTime":307.35408067346935,"endTime":307.91408017346936,"body":"into"},{"speaker":"Mark Treichel","startTime":308.2040811734693,"endTime":308.2740811734693,"body":"the"},{"speaker":"Mark Treichel","startTime":308.2740811734693,"endTime":308.6340811734693,"body":"world"},{"speaker":"Mark Treichel","startTime":308.6440811734693,"endTime":308.8440811734693,"body":"of"},{"speaker":"Mark Treichel","startTime":308.86408117346934,"endTime":309.60408117346935,"body":"CFPB."},{"speaker":"Mark Treichel","startTime":309.7040811734694,"endTime":309.9640811734694,"body":"There's"},{"speaker":"Mark Treichel","startTime":309.9740811734694,"endTime":310.4740811734694,"body":"also"},{"speaker":"Mark Treichel","startTime":310.5640811734694,"endTime":310.88408117346944,"body":"just"},{"speaker":"Mark Treichel","startTime":310.89408117346943,"endTime":311.3740811734694,"body":"continued"},{"speaker":"Mark Treichel","startTime":311.3740811734694,"endTime":311.7940811734694,"body":"reference"},{"speaker":"Mark Treichel","startTime":311.7940811734694,"endTime":312.0040811734694,"body":"by"},{"speaker":"Mark Treichel","startTime":312.01408117346944,"endTime":312.3440811734694,"body":"Chairman"},{"speaker":"Mark Treichel","startTime":312.3540811734694,"endTime":312.88408117346944,"body":"Harper."},{"speaker":"Mark Treichel","startTime":313.20408017346944,"endTime":313.3240801734694,"body":"The"},{"speaker":"Mark Treichel","startTime":313.3240811734694,"endTime":313.6240811734694,"body":"quote"},{"speaker":"Mark Treichel","startTime":313.63408117346944,"endTime":313.8040811734694,"body":"that"},{"speaker":"Mark Treichel","startTime":313.8040811734694,"endTime":313.89408117346943,"body":"I"},{"speaker":"Mark Treichel","startTime":313.89408117346943,"endTime":314.2540811734694,"body":"read."},{"speaker":"Mark Treichel","startTime":314.5640811734694,"endTime":314.9540811734694,"body":"Didn't"},{"speaker":"Mark Treichel","startTime":314.9540811734694,"endTime":315.3340811734694,"body":"have"},{"speaker":"Mark Treichel","startTime":315.3340811734694,"endTime":315.91408117346936,"body":"the"},{"speaker":"Mark Treichel","startTime":316.15408117346936,"endTime":316.4340811734694,"body":"equal"},{"speaker":"Mark Treichel","startTime":316.4440811734694,"endTime":316.77408117346937,"body":"footing"},{"speaker":"Mark Treichel","startTime":316.77408117346937,"endTime":317.1440811734694,"body":"quote"},{"speaker":"Mark Treichel","startTime":317.5740811734694,"endTime":317.7040811734694,"body":"or"},{"speaker":"Mark Treichel","startTime":317.7040811734694,"endTime":317.89408117346943,"body":"did"},{"speaker":"Mark Treichel","startTime":317.89408117346943,"endTime":317.9940811734694,"body":"it?"},{"speaker":"Mark Treichel","startTime":317.9940811734694,"endTime":318.1340811734694,"body":"No,"},{"speaker":"Mark Treichel","startTime":318.1340811734694,"endTime":318.2340811734694,"body":"it"},{"speaker":"Mark Treichel","startTime":318.2440811734694,"endTime":318.4640811734694,"body":"did."},{"speaker":"Mark Treichel","startTime":318.4740811734694,"endTime":318.5740811734694,"body":"The"},{"speaker":"Mark Treichel","startTime":318.5740811734694,"endTime":318.9540811734694,"body":"financial"},{"speaker":"Mark Treichel","startTime":318.9640811734694,"endTime":319.3740811734694,"body":"protection"},{"speaker":"Mark Treichel","startTime":319.3840811734694,"endTime":319.5240811734694,"body":"on"},{"speaker":"Mark Treichel","startTime":319.5540811734694,"endTime":319.8940811734694,"body":"equal"},{"speaker":"Mark Treichel","startTime":319.8940811734694,"endTime":320.1940811734694,"body":"footing"},{"speaker":"Mark Treichel","startTime":320.1940811734694,"endTime":320.3140811734694,"body":"with"},{"speaker":"Mark Treichel","startTime":320.3140811734694,"endTime":320.6140811734694,"body":"safety"},{"speaker":"Mark Treichel","startTime":320.6140811734694,"endTime":320.72408117346936,"body":"and"},{"speaker":"Mark Treichel","startTime":320.72408117346936,"endTime":321.0540811734694,"body":"soundness."},{"speaker":"Mark Treichel","startTime":321.0640811734694,"endTime":321.3840811734694,"body":"So"},{"speaker":"Mark Treichel","startTime":321.4940811734694,"endTime":321.60408117346935,"body":"to"},{"speaker":"Mark Treichel","startTime":321.60408117346935,"endTime":321.85408117346935,"body":"me,"},{"speaker":"Mark Treichel","startTime":321.85408117346935,"endTime":322.1240811734694,"body":"equal"},{"speaker":"Mark Treichel","startTime":322.1240811734694,"endTime":322.4540811734694,"body":"footing"},{"speaker":"Mark Treichel","startTime":322.4540811734694,"endTime":322.7040811734694,"body":"means"},{"speaker":"Mark Treichel","startTime":322.7040811734694,"endTime":322.8340811734694,"body":"we'll"},{"speaker":"Mark Treichel","startTime":322.8340811734694,"endTime":323.0740811734694,"body":"spend"},{"speaker":"Mark Treichel","startTime":323.0740811734694,"endTime":323.1840811734694,"body":"as"},{"speaker":"Mark Treichel","startTime":323.1840811734694,"endTime":323.3940811734694,"body":"many"},{"speaker":"Mark Treichel","startTime":323.3940811734694,"endTime":323.96408067346937,"body":"resources"},{"speaker":"Mark Treichel","startTime":323.96408067346937,"endTime":324.1140801734694,"body":"on"},{"speaker":"Mark Treichel","startTime":324.1140811734694,"endTime":324.2340811734694,"body":"it."},{"speaker":"Mark Treichel","startTime":324.3140811734694,"endTime":324.5040811734694,"body":"So"},{"speaker":"Mark Treichel","startTime":324.54408017346935,"endTime":324.8940801734694,"body":"60"},{"speaker":"Mark Treichel","startTime":324.8940811734694,"endTime":325.1040811734694,"body":"fair"},{"speaker":"Mark Treichel","startTime":325.1040811734694,"endTime":325.4240806734694,"body":"lending"},{"speaker":"Mark Treichel","startTime":325.4240806734694,"endTime":325.9340801734694,"body":"exams"},{"speaker":"Mark Treichel","startTime":326.5140811734694,"endTime":326.92408117346935,"body":"compared"},{"speaker":"Mark Treichel","startTime":326.92408117346935,"endTime":327.03408067346936,"body":"to"},{"speaker":"Mark Treichel","startTime":327.03408067346936,"endTime":327.5240801734694,"body":"thousands"},{"speaker":"Mark Treichel","startTime":327.52408117346937,"endTime":327.6440811734694,"body":"and"},{"speaker":"Mark Treichel","startTime":327.6440811734694,"endTime":328.0740806734694,"body":"thousands"},{"speaker":"Mark Treichel","startTime":328.0740806734694,"endTime":328.18408017346934,"body":"of"},{"speaker":"Mark Treichel","startTime":328.18408117346934,"endTime":328.50408117346933,"body":"safety"},{"speaker":"Mark Treichel","startTime":328.50408117346933,"endTime":328.60408117346935,"body":"and"},{"speaker":"Mark Treichel","startTime":328.60408117346935,"endTime":329.02408117346937,"body":"soundness"},{"speaker":"Mark Treichel","startTime":329.02408117346937,"endTime":329.4540811734694,"body":"exams."},{"speaker":"Mark Treichel","startTime":330.3640811734694,"endTime":330.6740811734694,"body":"That's"},{"speaker":"Mark Treichel","startTime":330.6740811734694,"endTime":330.9540811734694,"body":"not"},{"speaker":"Mark Treichel","startTime":331.35408117346935,"endTime":331.6840811734694,"body":"equal"},{"speaker":"Mark Treichel","startTime":331.6840811734694,"endTime":332.04408067346935,"body":"footing,"},{"speaker":"Mark Treichel","startTime":332.04408067346935,"endTime":332.2040801734694,"body":"nor"},{"speaker":"Mark Treichel","startTime":332.2040821734694,"endTime":332.4340816734694,"body":"should"},{"speaker":"Mark Treichel","startTime":332.4340816734694,"endTime":332.5840811734694,"body":"there"},{"speaker":"Mark Treichel","startTime":332.59408117346936,"endTime":332.79408117346935,"body":"be"},{"speaker":"Mark Treichel","startTime":332.8140811734694,"endTime":333.1340811734694,"body":"equal"},{"speaker":"Mark Treichel","startTime":333.1340811734694,"endTime":333.53408117346936,"body":"footing."},{"speaker":"Mark Treichel","startTime":333.5640811734694,"endTime":333.7540811734694,"body":"I"},{"speaker":"Mark Treichel","startTime":333.78408117346936,"endTime":334.09408117346936,"body":"think"},{"speaker":"Mark Treichel","startTime":334.1740811734694,"endTime":334.3440811734694,"body":"but"},{"speaker":"Mark Treichel","startTime":334.3440811734694,"endTime":334.5440811734694,"body":"he's"},{"speaker":"Mark Treichel","startTime":334.5440811734694,"endTime":334.8840811734694,"body":"raising"},{"speaker":"Mark Treichel","startTime":334.8840811734694,"endTime":335.1240811734694,"body":"it"},{"speaker":"Mark Treichel","startTime":335.1740811734694,"endTime":335.5440811734694,"body":"into"},{"speaker":"Mark Treichel","startTime":335.5440811734694,"endTime":335.6740811734694,"body":"the"},{"speaker":"Mark Treichel","startTime":335.6740811734694,"endTime":336.2340811734694,"body":"spotlight"},{"speaker":"Mark Treichel","startTime":336.2440811734694,"endTime":336.4240811734694,"body":"that"},{"speaker":"Mark Treichel","startTime":336.4240811734694,"endTime":336.51408117346944,"body":"he"},{"speaker":"Mark Treichel","startTime":336.51408117346944,"endTime":336.8140811734694,"body":"wants"},{"speaker":"Mark Treichel","startTime":336.8140811734694,"endTime":337.0040811734694,"body":"more"},{"speaker":"Mark Treichel","startTime":337.0040811734694,"endTime":337.5640811734694,"body":"resources"},{"speaker":"Mark Treichel","startTime":337.5640811734694,"endTime":337.8640811734694,"body":"here."},{"speaker":"Mark Treichel","startTime":337.8740811734694,"endTime":337.9640811734694,"body":"I"},{"speaker":"Mark Treichel","startTime":337.9640811734694,"endTime":338.2140811734694,"body":"think"},{"speaker":"Mark Treichel","startTime":338.2140811734694,"endTime":338.3040811734694,"body":"we'll"},{"speaker":"Mark Treichel","startTime":338.3040811734694,"endTime":338.76408117346944,"body":"continue"},{"speaker":"Mark Treichel","startTime":338.76408117346944,"endTime":338.89408117346943,"body":"to"},{"speaker":"Mark Treichel","startTime":338.89408117346943,"endTime":339.3140811734694,"body":"see."},{"speaker":"Mark Treichel","startTime":339.7390811734694,"endTime":340.0590811734694,"body":"In"},{"speaker":"Mark Treichel","startTime":340.0690811734694,"endTime":340.2390811734694,"body":"the"},{"speaker":"Mark Treichel","startTime":340.2490811734694,"endTime":340.4590811734694,"body":"mid"},{"speaker":"Mark Treichel","startTime":340.4590811734694,"endTime":340.7690811734694,"body":"year"},{"speaker":"Mark Treichel","startTime":340.7990811734694,"endTime":341.2090811734694,"body":"budget,"},{"speaker":"Mark Treichel","startTime":341.2390811734694,"endTime":341.7390811734694,"body":"and"},{"speaker":"Mark Treichel","startTime":341.7490811734694,"endTime":341.8890811734694,"body":"in"},{"speaker":"Mark Treichel","startTime":341.8890811734694,"endTime":342.0090811734694,"body":"the"},{"speaker":"Mark Treichel","startTime":342.0090811734694,"endTime":342.9190811734694,"body":"2025"},{"speaker":"Mark Treichel","startTime":342.9290811734694,"endTime":343.33908117346937,"body":"budget,"},{"speaker":"Mark Treichel","startTime":343.33908117346937,"endTime":344.0590811734694,"body":"particularly"},{"speaker":"Mark Treichel","startTime":344.0590811734694,"endTime":344.1890811734694,"body":"when"},{"speaker":"Mark Treichel","startTime":344.1890811734694,"endTime":344.2990811734694,"body":"you"},{"speaker":"Mark Treichel","startTime":344.2990811734694,"endTime":344.5690811734694,"body":"hear"},{"speaker":"Mark Treichel","startTime":344.5690811734694,"endTime":344.8690811734694,"body":"what"},{"speaker":"Mark Treichel","startTime":344.9490811734694,"endTime":345.1690811734694,"body":"board"},{"speaker":"Mark Treichel","startTime":345.1690811734694,"endTime":345.3690811734694,"body":"member"},{"speaker":"Mark Treichel","startTime":345.4190811734694,"endTime":345.7790811734694,"body":"Otsuka"},{"speaker":"Mark Treichel","startTime":345.7890811734694,"endTime":345.9790811734694,"body":"had"},{"speaker":"Mark Treichel","startTime":345.9790811734694,"endTime":346.0590811734694,"body":"to"},{"speaker":"Mark Treichel","startTime":346.0590811734694,"endTime":346.2590811734694,"body":"say"},{"speaker":"Mark Treichel","startTime":346.2590811734694,"endTime":346.3290811734694,"body":"on"},{"speaker":"Mark Treichel","startTime":346.3290811734694,"endTime":346.4690811734694,"body":"this"},{"speaker":"Mark Treichel","startTime":346.4890801734694,"endTime":346.9590801734694,"body":"topic"},{"speaker":"Mark Treichel","startTime":347.2290811734694,"endTime":347.45908117346943,"body":"this"},{"speaker":"Mark Treichel","startTime":347.4690821734694,"endTime":347.5790821734694,"body":"is"},{"speaker":"Mark Treichel","startTime":347.5790821734694,"endTime":347.7790821734694,"body":"not"},{"speaker":"Mark Treichel","startTime":347.7790821734694,"endTime":348.0290821734694,"body":"going"},{"speaker":"Mark Treichel","startTime":348.0290821734694,"endTime":348.4090821734694,"body":"away."},{"speaker":"Mark Treichel","startTime":348.4590821734694,"endTime":348.82908217346943,"body":"The."},{"speaker":"Mark Treichel","startTime":349.1740821734694,"endTime":349.4740821734694,"body":"The"},{"speaker":"Mark Treichel","startTime":349.51408217346943,"endTime":350.00408217346944,"body":"importance"},{"speaker":"Mark Treichel","startTime":350.00408217346944,"endTime":350.1540821734694,"body":"of"},{"speaker":"Mark Treichel","startTime":350.1540821734694,"endTime":350.5240821734694,"body":"consumer"},{"speaker":"Mark Treichel","startTime":350.5240821734694,"endTime":351.1140821734694,"body":"compliance"},{"speaker":"Mark Treichel","startTime":351.1140821734694,"endTime":351.2840821734694,"body":"at"},{"speaker":"Mark Treichel","startTime":351.2840821734694,"endTime":352.0440821734694,"body":"NCUA"},{"speaker":"Mark Treichel","startTime":352.1440821734694,"endTime":352.50408217346944,"body":"is"},{"speaker":"Mark Treichel","startTime":352.8940821734694,"endTime":353.1540821734694,"body":"going"},{"speaker":"Mark Treichel","startTime":353.1540821734694,"endTime":353.25408217346944,"body":"to"},{"speaker":"Mark Treichel","startTime":353.25408217346944,"endTime":353.70408217346943,"body":"continue"},{"speaker":"Mark Treichel","startTime":353.70408217346943,"endTime":353.80408217346945,"body":"to"},{"speaker":"Mark Treichel","startTime":353.80408217346945,"endTime":354.11408217346946,"body":"go"},{"speaker":"Mark Treichel","startTime":354.1540821734694,"endTime":354.4040821734694,"body":"up"},{"speaker":"Mark Treichel","startTime":354.48408217346946,"endTime":354.79408217346946,"body":"while"},{"speaker":"Mark Treichel","startTime":354.80408217346945,"endTime":355.1540821734694,"body":"Chairman"},{"speaker":"Mark Treichel","startTime":355.1540821734694,"endTime":355.57408217346944,"body":"Harper"},{"speaker":"Mark Treichel","startTime":355.60408217346946,"endTime":355.94408217346944,"body":"is"},{"speaker":"Mark Treichel","startTime":355.95408217346943,"endTime":356.44408217346944,"body":"chairman."},{"speaker":"Mark Treichel","startTime":357.12408217346945,"endTime":357.2740821734694,"body":"All"},{"speaker":"Mark Treichel","startTime":357.2740821734694,"endTime":357.55408217346945,"body":"right"},{"speaker":"Mark Treichel","startTime":357.6440821734694,"endTime":357.93408217346945,"body":"board"},{"speaker":"Mark Treichel","startTime":357.93408217346945,"endTime":358.1540816734695,"body":"member"},{"speaker":"Mark Treichel","startTime":358.1540816734695,"endTime":358.4640811734695,"body":"Kyle"},{"speaker":"Mark Treichel","startTime":358.48408117346946,"endTime":358.9640811734695,"body":"Hauptman's"},{"speaker":"Mark Treichel","startTime":359.30408217346945,"endTime":359.80408217346945,"body":"statement"},{"speaker":"Mark Treichel","startTime":359.81408117346945,"endTime":360.12408117346945,"body":"was"},{"speaker":"Mark Treichel","startTime":360.13408217346944,"endTime":360.67408217346946,"body":"overall,"},{"speaker":"Mark Treichel","startTime":360.67408217346946,"endTime":360.82408217346944,"body":"I'm"},{"speaker":"Mark Treichel","startTime":360.8340821734694,"endTime":361.1540821734695,"body":"pleased"},{"speaker":"Mark Treichel","startTime":361.16408217346947,"endTime":361.32408217346944,"body":"to"},{"speaker":"Mark Treichel","startTime":361.32408217346944,"endTime":361.57408217346944,"body":"see"},{"speaker":"Mark Treichel","startTime":361.57408217346944,"endTime":361.62408217346945,"body":"the"},{"speaker":"Mark Treichel","startTime":361.62408217346945,"endTime":362.63408217346944,"body":"2024"},{"speaker":"Mark Treichel","startTime":362.63408217346944,"endTime":362.9640821734695,"body":"plan"},{"speaker":"Mark Treichel","startTime":362.9640821734695,"endTime":363.47408217346947,"body":"continues"},{"speaker":"Mark Treichel","startTime":363.47408217346947,"endTime":363.5840821734694,"body":"to"},{"speaker":"Mark Treichel","startTime":363.5840821734694,"endTime":363.80408217346945,"body":"put"},{"speaker":"Mark Treichel","startTime":363.80408217346945,"endTime":364.12408217346945,"body":"greater"},{"speaker":"Mark Treichel","startTime":364.12408217346945,"endTime":364.54408217346946,"body":"focus"},{"speaker":"Mark Treichel","startTime":364.54408217346946,"endTime":364.66408217346947,"body":"on"},{"speaker":"Mark Treichel","startTime":364.69408117346944,"endTime":365.10408117346947,"body":"output"},{"speaker":"Mark Treichel","startTime":365.1440821734694,"endTime":365.31408217346944,"body":"and"},{"speaker":"Mark Treichel","startTime":365.32408217346944,"endTime":365.75408217346944,"body":"outcome"},{"speaker":"Mark Treichel","startTime":365.76408117346944,"endTime":366.49408117346945,"body":"oriented"},{"speaker":"Mark Treichel","startTime":366.63408217346944,"endTime":367.1540821734695,"body":"results."},{"speaker":"Mark Treichel","startTime":367.9040821734694,"endTime":368.00408217346944,"body":"I"},{"speaker":"Mark Treichel","startTime":368.00408217346944,"endTime":368.1440821734694,"body":"am"},{"speaker":"Mark Treichel","startTime":368.1440821734694,"endTime":368.6440821734694,"body":"grateful"},{"speaker":"Mark Treichel","startTime":368.6440821734694,"endTime":368.82408217346944,"body":"for"},{"speaker":"Mark Treichel","startTime":368.82408217346944,"endTime":368.94408217346944,"body":"the"},{"speaker":"Mark Treichel","startTime":368.94408217346944,"endTime":369.50408217346944,"body":"inclusion"},{"speaker":"Mark Treichel","startTime":369.50408217346944,"endTime":369.63408217346944,"body":"of"},{"speaker":"Mark Treichel","startTime":369.63408217346944,"endTime":370.20408217346943,"body":"Performance"},{"speaker":"Mark Treichel","startTime":370.2240821734694,"endTime":370.81408217346944,"body":"Indicator"},{"speaker":"Mark Treichel","startTime":371.0240821734694,"endTime":372.19408217346944,"body":"1."},{"speaker":"Mark Treichel","startTime":372.23408217346946,"endTime":372.6640821734694,"body":"22"},{"speaker":"Mark Treichel","startTime":372.69408217346944,"endTime":373.1640821734694,"body":"regarding"},{"speaker":"Mark Treichel","startTime":373.1640821734694,"endTime":373.2740821734694,"body":"the"},{"speaker":"Mark Treichel","startTime":373.29408217346946,"endTime":373.61408217346946,"body":"post"},{"speaker":"Mark Treichel","startTime":373.61408217346946,"endTime":374.4640821734694,"body":"examination"},{"speaker":"Mark Treichel","startTime":374.4640821734694,"endTime":374.76408217346943,"body":"survey."},{"speaker":"Mark Treichel","startTime":374.7641821734694,"endTime":375.31908217346944,"body":"Safety"},{"speaker":"Mark Treichel","startTime":375.31908217346944,"endTime":375.8739821734694,"body":"and"},{"speaker":"Mark Treichel","startTime":376.05408217346945,"endTime":377.0240821734694,"body":"soundness"},{"speaker":"Mark Treichel","startTime":377.07408217346944,"endTime":377.20408217346943,"body":"is"},{"speaker":"Mark Treichel","startTime":377.20408217346943,"endTime":377.7140821734694,"body":"improved"},{"speaker":"Mark Treichel","startTime":377.7240811734694,"endTime":377.93408117346945,"body":"by"},{"speaker":"Mark Treichel","startTime":377.9640821734694,"endTime":378.2740821734694,"body":"open"},{"speaker":"Mark Treichel","startTime":378.2740821734694,"endTime":378.39408167346943,"body":"and"},{"speaker":"Mark Treichel","startTime":378.39408167346943,"endTime":378.99408117346945,"body":"transparent"},{"speaker":"Mark Treichel","startTime":378.99408217346945,"endTime":379.75408217346944,"body":"communication"},{"speaker":"Mark Treichel","startTime":379.75408217346944,"endTime":379.93408167346945,"body":"with"},{"speaker":"Mark Treichel","startTime":379.93408167346945,"endTime":380.25408117346944,"body":"credit"},{"speaker":"Mark Treichel","startTime":380.25408217346944,"endTime":380.63408217346944,"body":"unions."},{"speaker":"Mark Treichel","startTime":381.1140811734694,"endTime":381.30408117346946,"body":"By"},{"speaker":"Mark Treichel","startTime":381.31408217346944,"endTime":381.7440821734694,"body":"further"},{"speaker":"Mark Treichel","startTime":381.77408217346937,"endTime":382.68408217346945,"body":"anonymizing"},{"speaker":"Mark Treichel","startTime":382.7140821734694,"endTime":382.8640821734694,"body":"the"},{"speaker":"Mark Treichel","startTime":383.14408217346937,"endTime":383.48408167346946,"body":"post"},{"speaker":"Mark Treichel","startTime":383.48408167346946,"endTime":384.0140811734694,"body":"exam"},{"speaker":"Mark Treichel","startTime":384.03408217346947,"endTime":384.44408217346944,"body":"survey"},{"speaker":"Mark Treichel","startTime":384.44408217346944,"endTime":385.03408217346947,"body":"responses"},{"speaker":"Mark Treichel","startTime":385.03408217346947,"endTime":385.18408217346945,"body":"in"},{"speaker":"Mark Treichel","startTime":386.0040821734694,"endTime":386.2640821734694,"body":"2023."},{"speaker":"Mark Treichel","startTime":386.70408217346943,"endTime":386.89408217346937,"body":"The"},{"speaker":"Mark Treichel","startTime":386.89408217346937,"endTime":387.7140821734694,"body":"NCUA"},{"speaker":"Mark Treichel","startTime":387.7540821734694,"endTime":388.30408217346945,"body":"continued"},{"speaker":"Mark Treichel","startTime":388.30408217346945,"endTime":388.4040821734695,"body":"to"},{"speaker":"Mark Treichel","startTime":388.4040821734695,"endTime":389.0240821734695,"body":"normalize"},{"speaker":"Mark Treichel","startTime":389.06408217346944,"endTime":389.17408217346946,"body":"the"},{"speaker":"Mark Treichel","startTime":389.17408217346946,"endTime":389.4940821734694,"body":"use"},{"speaker":"Mark Treichel","startTime":389.4940821734694,"endTime":389.64408217346937,"body":"of"},{"speaker":"Mark Treichel","startTime":389.64408217346937,"endTime":389.7340821734694,"body":"the"},{"speaker":"Mark Treichel","startTime":389.7440821734694,"endTime":390.0940821734694,"body":"post"},{"speaker":"Mark Treichel","startTime":390.1040821734694,"endTime":390.69408217346944,"body":"exam"},{"speaker":"Mark Treichel","startTime":390.78408217346947,"endTime":391.3440821734694,"body":"survey."},{"speaker":"Mark Treichel","startTime":391.8040821734694,"endTime":391.9440821734694,"body":"The"},{"speaker":"Mark Treichel","startTime":391.9440821734694,"endTime":392.20408217346943,"body":"hope"},{"speaker":"Mark Treichel","startTime":392.2140821734694,"endTime":392.6140821734694,"body":"was"},{"speaker":"Mark Treichel","startTime":392.6240821734694,"endTime":393.0540821734694,"body":"simply"},{"speaker":"Mark Treichel","startTime":393.0540821734694,"endTime":393.2240821734694,"body":"to"},{"speaker":"Mark Treichel","startTime":393.2240821734694,"endTime":393.7140821734694,"body":"improve"},{"speaker":"Mark Treichel","startTime":393.7140821734694,"endTime":393.8240821734694,"body":"the"},{"speaker":"Mark Treichel","startTime":393.8240821734694,"endTime":394.2340821734694,"body":"survey"},{"speaker":"Mark Treichel","startTime":394.2340821734694,"endTime":394.7840821734694,"body":"response"},{"speaker":"Mark Treichel","startTime":394.7840821734694,"endTime":395.0540821734694,"body":"rate,"},{"speaker":"Mark Treichel","startTime":395.1840821734694,"endTime":395.3840821734694,"body":"but"},{"speaker":"Mark Treichel","startTime":395.3940821734694,"endTime":395.9240821734694,"body":"Performance"},{"speaker":"Mark Treichel","startTime":395.9240821734694,"endTime":396.4740821734694,"body":"Indicator"},{"speaker":"Mark Treichel","startTime":396.4740821734694,"endTime":396.9640821734694,"body":"1."},{"speaker":"Mark Treichel","startTime":397.0240821734694,"endTime":397.6140821734694,"body":"22"},{"speaker":"Mark Treichel","startTime":397.6640811734694,"endTime":397.9540811734694,"body":"takes"},{"speaker":"Mark Treichel","startTime":397.9540811734694,"endTime":398.0240811734694,"body":"it"},{"speaker":"Mark Treichel","startTime":398.0340821734694,"endTime":398.2340821734694,"body":"a"},{"speaker":"Mark Treichel","startTime":398.2340821734694,"endTime":398.5940821734694,"body":"step"},{"speaker":"Mark Treichel","startTime":398.5940821734694,"endTime":399.0540821734694,"body":"further."},{"speaker":"Mark Treichel","startTime":399.5240811734694,"endTime":399.74408117346945,"body":"It"},{"speaker":"Mark Treichel","startTime":399.74408217346945,"endTime":400.0840821734694,"body":"sets"},{"speaker":"Mark Treichel","startTime":400.0840821734694,"endTime":400.20408217346943,"body":"the"},{"speaker":"Mark Treichel","startTime":400.20408217346943,"endTime":400.7140821734694,"body":"standard"},{"speaker":"Mark Treichel","startTime":400.7140821734694,"endTime":400.87408217346945,"body":"for"},{"speaker":"Mark Treichel","startTime":400.88408217346944,"endTime":401.31408167346945,"body":"outcome"},{"speaker":"Mark Treichel","startTime":401.31408167346945,"endTime":401.43408117346945,"body":"of"},{"speaker":"Mark Treichel","startTime":401.43408217346945,"endTime":401.74408217346945,"body":"90"},{"speaker":"Mark Treichel","startTime":401.74408217346945,"endTime":402.17408217346946,"body":"percent"},{"speaker":"Mark Treichel","startTime":402.2140821734694,"endTime":402.32408167346944,"body":"or"},{"speaker":"Mark Treichel","startTime":402.32408167346944,"endTime":402.7740811734694,"body":"greater"},{"speaker":"Mark Treichel","startTime":402.81408117346945,"endTime":403.00408117346944,"body":"on"},{"speaker":"Mark Treichel","startTime":403.00408217346944,"endTime":403.9840821734694,"body":"collaboration,"},{"speaker":"Mark Treichel","startTime":403.99408217346945,"endTime":404.75408217346944,"body":"narrative,"},{"speaker":"Mark Treichel","startTime":405.1740821734694,"endTime":405.51408217346943,"body":"and"},{"speaker":"Mark Treichel","startTime":405.5540811734694,"endTime":406.0640811734694,"body":"timely"},{"speaker":"Mark Treichel","startTime":406.0640811734694,"endTime":406.7840811734694,"body":"delivery"},{"speaker":"Mark Treichel","startTime":406.7841811734694,"endTime":406.9539821734694,"body":"of"},{"speaker":"Mark Treichel","startTime":406.95408217346943,"endTime":407.1140821734694,"body":"the"},{"speaker":"Mark Treichel","startTime":407.1140821734694,"endTime":407.5340821734694,"body":"exam"},{"speaker":"Mark Treichel","startTime":407.5340821734694,"endTime":408.01408217346943,"body":"report."},{"speaker":"Mark Treichel","startTime":408.1590821734694,"endTime":408.4290821734694,"body":"What"},{"speaker":"Mark Treichel","startTime":408.4690821734694,"endTime":408.74908217346945,"body":"gets"},{"speaker":"Mark Treichel","startTime":408.74908217346945,"endTime":409.2890821734694,"body":"measured"},{"speaker":"Mark Treichel","startTime":409.32908217346943,"endTime":409.7390821734694,"body":"gets"},{"speaker":"Mark Treichel","startTime":409.7390821734694,"endTime":410.1790821734694,"body":"done."},{"speaker":"Mark Treichel","startTime":410.61908217346945,"endTime":410.75908217346944,"body":"I"},{"speaker":"Mark Treichel","startTime":410.75908217346944,"endTime":411.2190821734694,"body":"continue"},{"speaker":"Mark Treichel","startTime":411.2190821734694,"endTime":411.38908217346943,"body":"to"},{"speaker":"Mark Treichel","startTime":411.38908217346943,"endTime":411.69908217346944,"body":"urge"},{"speaker":"Mark Treichel","startTime":411.7190821734694,"endTime":412.0190821734694,"body":"federal"},{"speaker":"Mark Treichel","startTime":412.0190821734694,"endTime":412.3390821734694,"body":"credit"},{"speaker":"Mark Treichel","startTime":412.3390821734694,"endTime":412.67908217346945,"body":"unions"},{"speaker":"Mark Treichel","startTime":412.67908217346945,"endTime":412.80908217346945,"body":"to"},{"speaker":"Mark Treichel","startTime":412.80908217346945,"endTime":413.2990821734694,"body":"record"},{"speaker":"Mark Treichel","startTime":413.2990821734694,"endTime":413.44908217346944,"body":"their"},{"speaker":"Mark Treichel","startTime":413.4590821734694,"endTime":413.80908217346945,"body":"exit"},{"speaker":"Mark Treichel","startTime":413.80908217346945,"endTime":414.2090821734694,"body":"meetings"},{"speaker":"Mark Treichel","startTime":414.2090821734694,"endTime":414.3590821734694,"body":"and"},{"speaker":"Mark Treichel","startTime":414.36908217346945,"endTime":414.6590821734694,"body":"joint"},{"speaker":"Mark Treichel","startTime":414.6590821734694,"endTime":415.1090821734694,"body":"exam"},{"speaker":"Mark Treichel","startTime":415.1090821734694,"endTime":415.7790821734694,"body":"conferences."},{"speaker":"Mark Treichel","startTime":415.9090821734694,"endTime":416.0490821734694,"body":"The"},{"speaker":"Mark Treichel","startTime":416.0490821734694,"endTime":416.55908167346945,"body":"recordings"},{"speaker":"Mark Treichel","startTime":416.55908167346945,"endTime":416.6590811734694,"body":"are"},{"speaker":"Mark Treichel","startTime":416.6590821734694,"endTime":417.31908217346944,"body":"beneficial"},{"speaker":"Mark Treichel","startTime":417.32908217346943,"endTime":417.42908217346945,"body":"for"},{"speaker":"Mark Treichel","startTime":417.43908217346944,"endTime":417.55908167346945,"body":"the"},{"speaker":"Mark Treichel","startTime":417.55908167346945,"endTime":417.87908117346944,"body":"credit"},{"speaker":"Mark Treichel","startTime":417.87908217346944,"endTime":418.25908217346944,"body":"unions"},{"speaker":"Mark Treichel","startTime":418.25908217346944,"endTime":418.37908217346944,"body":"and"},{"speaker":"Mark Treichel","startTime":418.37908217346944,"endTime":418.50908217346944,"body":"the"},{"speaker":"Mark Treichel","startTime":418.50908217346944,"endTime":419.0190821734694,"body":"agency"},{"speaker":"Mark Treichel","startTime":419.0290821734694,"endTime":419.2090821734694,"body":"as"},{"speaker":"Mark Treichel","startTime":419.2190821734694,"endTime":419.32908217346943,"body":"they"},{"speaker":"Mark Treichel","startTime":419.32908217346943,"endTime":419.7290821734694,"body":"provide"},{"speaker":"Mark Treichel","startTime":419.7290821734694,"endTime":419.82908217346943,"body":"a"},{"speaker":"Mark Treichel","startTime":419.8390821734694,"endTime":420.4790821734694,"body":"resource"},{"speaker":"Mark Treichel","startTime":420.50908217346944,"endTime":420.68908217346944,"body":"for"},{"speaker":"Mark Treichel","startTime":420.68908217346944,"endTime":420.87908217346944,"body":"new"},{"speaker":"Mark Treichel","startTime":420.87908217346944,"endTime":421.5490821734694,"body":"examiners,"},{"speaker":"Mark Treichel","startTime":422.1690821734694,"endTime":422.49908217346945,"body":"credit"},{"speaker":"Mark Treichel","startTime":422.49908217346945,"endTime":422.7990821734694,"body":"union"},{"speaker":"Mark Treichel","startTime":422.7990821734694,"endTime":423.32908217346943,"body":"staff,"},{"speaker":"Mark Treichel","startTime":423.4690821734694,"endTime":423.76908167346943,"body":"and"},{"speaker":"Mark Treichel","startTime":423.76908167346943,"endTime":424.3490811734694,"body":"boards."},{"speaker":"Mark Treichel","startTime":424.62908117346944,"endTime":424.7990811734694,"body":"By"},{"speaker":"Mark Treichel","startTime":424.7990811734694,"endTime":425.05908117346945,"body":"not"},{"speaker":"Mark Treichel","startTime":425.05908117346945,"endTime":425.44908117346944,"body":"having"},{"speaker":"Mark Treichel","startTime":425.44908117346944,"endTime":425.6090811734694,"body":"a"},{"speaker":"Mark Treichel","startTime":425.8290821734695,"endTime":425.9690821734695,"body":"To"},{"speaker":"Mark Treichel","startTime":425.9690821734695,"endTime":426.5190821734695,"body":"determine"},{"speaker":"Mark Treichel","startTime":426.5190821734695,"endTime":426.7090821734695,"body":"what"},{"speaker":"Mark Treichel","startTime":426.7090821734695,"endTime":426.8990821734695,"body":"was"},{"speaker":"Mark Treichel","startTime":426.8990821734695,"endTime":427.24908217346945,"body":"said,"},{"speaker":"Mark Treichel","startTime":427.2690821734695,"endTime":427.97908217346946,"body":"examiners"},{"speaker":"Mark Treichel","startTime":427.97908217346946,"endTime":428.11908217346945,"body":"and"},{"speaker":"Mark Treichel","startTime":428.11908217346945,"endTime":428.40908217346947,"body":"credit"},{"speaker":"Mark Treichel","startTime":428.40908217346947,"endTime":428.74908217346945,"body":"unions"},{"speaker":"Mark Treichel","startTime":428.74908217346945,"endTime":428.91908217346946,"body":"can"},{"speaker":"Mark Treichel","startTime":428.91908217346946,"endTime":429.2190821734695,"body":"save"},{"speaker":"Mark Treichel","startTime":429.23908217346946,"endTime":429.55908217346945,"body":"time"},{"speaker":"Mark Treichel","startTime":429.55908217346945,"endTime":429.69908217346944,"body":"and"},{"speaker":"Mark Treichel","startTime":429.7190821734695,"endTime":430.22908217346946,"body":"focus"},{"speaker":"Mark Treichel","startTime":430.49908217346945,"endTime":430.74908217346945,"body":"on"},{"speaker":"Mark Treichel","startTime":430.74908217346945,"endTime":431.0890821734695,"body":"moving"},{"speaker":"Mark Treichel","startTime":431.0890821734695,"endTime":431.55908217346945,"body":"forward."},{"speaker":"Mark Treichel","startTime":431.7090821734695,"endTime":431.8890821734695,"body":"So"},{"speaker":"Mark Treichel","startTime":431.8890821734695,"endTime":432.09908217346947,"body":"there's"},{"speaker":"Mark Treichel","startTime":432.09908217346947,"endTime":432.42908217346945,"body":"themes"},{"speaker":"Mark Treichel","startTime":432.42908217346945,"endTime":432.62908217346944,"body":"here"},{"speaker":"Mark Treichel","startTime":432.62908217346944,"endTime":432.7790821734695,"body":"that"},{"speaker":"Mark Treichel","startTime":432.7790821734695,"endTime":433.11908217346945,"body":"chairman,"},{"speaker":"Mark Treichel","startTime":433.1191821734695,"endTime":433.2540821734695,"body":"vice"},{"speaker":"Mark Treichel","startTime":433.2540821734695,"endTime":433.3889821734695,"body":"chairman"},{"speaker":"Mark Treichel","startTime":433.3890821734695,"endTime":434.3890821734695,"body":"Hauptman"},{"speaker":"Mark Treichel","startTime":434.3990821734695,"endTime":434.66908217346946,"body":"has"},{"speaker":"Mark Treichel","startTime":434.7090821734695,"endTime":434.8990821734695,"body":"been"},{"speaker":"Mark Treichel","startTime":434.8990821734695,"endTime":435.3390821734695,"body":"pushing"},{"speaker":"Mark Treichel","startTime":435.3490811734695,"endTime":435.5790811734695,"body":"all"},{"speaker":"Mark Treichel","startTime":435.5790821734695,"endTime":436.0290821734695,"body":"along."},{"speaker":"Mark Treichel","startTime":436.91908217346946,"endTime":437.03908217346947,"body":"The"},{"speaker":"Mark Treichel","startTime":437.03908217346947,"endTime":437.56908217346944,"body":"survey,"},{"speaker":"Mark Treichel","startTime":437.60908217346946,"endTime":437.7690821734694,"body":"he"},{"speaker":"Mark Treichel","startTime":437.7690821734694,"endTime":437.94908217346944,"body":"was"},{"speaker":"Mark Treichel","startTime":437.94908217346944,"endTime":438.16908217346946,"body":"big"},{"speaker":"Mark Treichel","startTime":438.16908217346946,"endTime":438.28908217346947,"body":"on"},{"speaker":"Mark Treichel","startTime":438.29908217346946,"endTime":438.5290821734694,"body":"getting"},{"speaker":"Mark Treichel","startTime":438.5290821734694,"endTime":438.61908217346945,"body":"the"},{"speaker":"Mark Treichel","startTime":438.61908217346945,"endTime":439.03908217346947,"body":"survey"},{"speaker":"Mark Treichel","startTime":439.03908217346947,"endTime":439.2190816734694,"body":"out"},{"speaker":"Mark Treichel","startTime":439.2190816734694,"endTime":439.3490811734695,"body":"there."},{"speaker":"Mark Treichel","startTime":439.3490811734695,"endTime":439.48908117346946,"body":"He"},{"speaker":"Mark Treichel","startTime":439.48908217346946,"endTime":439.7790821734694,"body":"talks"},{"speaker":"Mark Treichel","startTime":439.7790821734694,"endTime":440.03908217346947,"body":"about"},{"speaker":"Mark Treichel","startTime":440.03908217346947,"endTime":440.13908167346943,"body":"it"},{"speaker":"Mark Treichel","startTime":440.13908167346943,"endTime":440.17908117346946,"body":"a"},{"speaker":"Mark Treichel","startTime":440.17908117346946,"endTime":440.5290811734694,"body":"lot."},{"speaker":"Mark Treichel","startTime":441.19908217346944,"endTime":441.36908217346945,"body":"But"},{"speaker":"Mark Treichel","startTime":441.36908217346945,"endTime":441.47908167346947,"body":"the"},{"speaker":"Mark Treichel","startTime":441.47908167346947,"endTime":441.8490811734694,"body":"fact"},{"speaker":"Mark Treichel","startTime":441.87908217346944,"endTime":442.04908217346946,"body":"that"},{"speaker":"Mark Treichel","startTime":442.04908217346946,"endTime":442.1590816734695,"body":"the"},{"speaker":"Mark Treichel","startTime":442.1590816734695,"endTime":442.74908117346945,"body":"survey"},{"speaker":"Mark Treichel","startTime":443.1790811734695,"endTime":443.8990811734695,"body":"establishes"},{"speaker":"Mark Treichel","startTime":443.91908117346946,"endTime":444.5990811734695,"body":"measuring"},{"speaker":"Mark Treichel","startTime":444.9640821734695,"endTime":445.1940821734695,"body":"in"},{"speaker":"Mark Treichel","startTime":445.1940821734695,"endTime":445.5840821734695,"body":"part"},{"speaker":"Mark Treichel","startTime":445.6340821734695,"endTime":445.9940821734695,"body":"timely"},{"speaker":"Mark Treichel","startTime":445.9940821734695,"endTime":446.4440821734695,"body":"delivery"},{"speaker":"Mark Treichel","startTime":446.4440821734695,"endTime":446.5540821734695,"body":"of"},{"speaker":"Mark Treichel","startTime":446.5540821734695,"endTime":446.8740821734695,"body":"exam"},{"speaker":"Mark Treichel","startTime":446.8740821734695,"endTime":447.2540821734695,"body":"reports."},{"speaker":"Mark Treichel","startTime":447.2540821734695,"endTime":447.3840821734695,"body":"He"},{"speaker":"Mark Treichel","startTime":447.3840821734695,"endTime":447.59408217346953,"body":"made"},{"speaker":"Mark Treichel","startTime":447.59408217346953,"endTime":447.9540821734695,"body":"reference"},{"speaker":"Mark Treichel","startTime":447.9540821734695,"endTime":448.0740821734695,"body":"to"},{"speaker":"Mark Treichel","startTime":448.0740821734695,"endTime":448.3940821734695,"body":"them"},{"speaker":"Mark Treichel","startTime":448.6440821734695,"endTime":449.3640821734695,"body":"constantly"},{"speaker":"Mark Treichel","startTime":449.7340821734695,"endTime":450.1240821734695,"body":"getting"},{"speaker":"Mark Treichel","startTime":450.3740821734695,"endTime":450.9440816734695,"body":"paraphrasing"},{"speaker":"Mark Treichel","startTime":450.9440816734695,"endTime":451.10408117346947,"body":"here,"},{"speaker":"Mark Treichel","startTime":451.10408217346946,"endTime":451.6440821734695,"body":"constantly"},{"speaker":"Mark Treichel","startTime":451.6540811734695,"endTime":452.0640811734695,"body":"getting"},{"speaker":"Mark Treichel","startTime":452.1540811734695,"endTime":452.5140811734695,"body":"hearing"},{"speaker":"Mark Treichel","startTime":452.5140821734695,"endTime":452.6740821734695,"body":"from"},{"speaker":"Mark Treichel","startTime":452.6740821734695,"endTime":452.9240821734695,"body":"credit"},{"speaker":"Mark Treichel","startTime":452.9240821734695,"endTime":453.3040821734695,"body":"unions"},{"speaker":"Mark Treichel","startTime":453.3140821734695,"endTime":453.4840821734695,"body":"that"},{"speaker":"Mark Treichel","startTime":454.0140821734695,"endTime":454.24408217346945,"body":"they"},{"speaker":"Mark Treichel","startTime":454.24408217346945,"endTime":454.37408217346945,"body":"were"},{"speaker":"Mark Treichel","startTime":454.37408217346945,"endTime":454.48408217346946,"body":"in"},{"speaker":"Mark Treichel","startTime":454.48408217346946,"endTime":454.66408217346947,"body":"here"},{"speaker":"Mark Treichel","startTime":454.7040821734695,"endTime":455.05408217346945,"body":"last"},{"speaker":"Mark Treichel","startTime":455.05408217346945,"endTime":455.23408217346946,"body":"year."},{"speaker":"Mark Treichel","startTime":455.23408217346946,"endTime":455.30408217346945,"body":"I"},{"speaker":"Mark Treichel","startTime":455.30408217346945,"endTime":455.5040821734695,"body":"still"},{"speaker":"Mark Treichel","startTime":455.5040821734695,"endTime":455.6340821734695,"body":"don't"},{"speaker":"Mark Treichel","startTime":455.6440821734695,"endTime":455.79408217346946,"body":"have"},{"speaker":"Mark Treichel","startTime":455.79408217346946,"endTime":455.8940821734695,"body":"my"},{"speaker":"Mark Treichel","startTime":455.8940821734695,"endTime":456.2740821734695,"body":"report"},{"speaker":"Mark Treichel","startTime":456.29408217346946,"endTime":456.35408217346946,"body":"and"},{"speaker":"Mark Treichel","startTime":456.35408217346946,"endTime":456.48408217346946,"body":"they're"},{"speaker":"Mark Treichel","startTime":456.48408217346946,"endTime":456.7640821734695,"body":"coming"},{"speaker":"Mark Treichel","startTime":456.7640821734695,"endTime":456.87408217346945,"body":"in"},{"speaker":"Mark Treichel","startTime":456.87408217346945,"endTime":456.92408217346946,"body":"a"},{"speaker":"Mark Treichel","startTime":456.92408217346946,"endTime":457.1540821734695,"body":"few"},{"speaker":"Mark Treichel","startTime":457.1540821734695,"endTime":457.55408217346945,"body":"months"},{"speaker":"Mark Treichel","startTime":457.5940821734695,"endTime":457.92408217346946,"body":"and"},{"speaker":"Mark Treichel","startTime":457.92408217346946,"endTime":458.11408217346946,"body":"that's"},{"speaker":"Mark Treichel","startTime":458.11408217346946,"endTime":458.6340821734695,"body":"consistent"},{"speaker":"Mark Treichel","startTime":458.8940821734695,"endTime":459.10408217346946,"body":"with"},{"speaker":"Mark Treichel","startTime":459.10408217346946,"endTime":459.2540821734695,"body":"what"},{"speaker":"Mark Treichel","startTime":459.2540821734695,"endTime":459.43408217346945,"body":"I'm"},{"speaker":"Mark Treichel","startTime":459.43408217346945,"endTime":459.8240821734695,"body":"seeing"},{"speaker":"Mark Treichel","startTime":459.8340821734695,"endTime":460.0840821734695,"body":"that"},{"speaker":"Mark Treichel","startTime":460.5640821734695,"endTime":460.80408217346945,"body":"I"},{"speaker":"Mark Treichel","startTime":460.80408217346945,"endTime":460.9640821734695,"body":"don't"},{"speaker":"Mark Treichel","startTime":460.9640821734695,"endTime":461.0840821734695,"body":"know"},{"speaker":"Mark Treichel","startTime":461.0840821734695,"endTime":461.17408217346946,"body":"if"},{"speaker":"Mark Treichel","startTime":461.17408217346946,"endTime":461.24408217346945,"body":"it"},{"speaker":"Mark Treichel","startTime":461.24408217346945,"endTime":461.3840821734695,"body":"was"},{"speaker":"Mark Treichel","startTime":461.3840821734695,"endTime":461.47408217346947,"body":"the"},{"speaker":"Mark Treichel","startTime":461.47408217346947,"endTime":462.0940821734695,"body":"pandemic"},{"speaker":"Mark Treichel","startTime":462.11408217346946,"endTime":462.3840821734695,"body":"that"},{"speaker":"Mark Treichel","startTime":462.3940821734695,"endTime":463.24408217346945,"body":"elongated"},{"speaker":"Mark Treichel","startTime":463.4640821734695,"endTime":464.0040821734695,"body":"exams"},{"speaker":"Mark Treichel","startTime":464.0040821734695,"endTime":464.24408217346945,"body":"getting"},{"speaker":"Mark Treichel","startTime":464.24408217346945,"endTime":464.54408217346946,"body":"done"},{"speaker":"Mark Treichel","startTime":464.55408217346945,"endTime":464.8440821734695,"body":"more"},{"speaker":"Mark Treichel","startTime":464.8840821734695,"endTime":465.17408217346946,"body":"work"},{"speaker":"Mark Treichel","startTime":465.17408217346946,"endTime":465.3940816734695,"body":"being"},{"speaker":"Mark Treichel","startTime":465.3940816734695,"endTime":465.5840811734695,"body":"off"},{"speaker":"Mark Treichel","startTime":465.5840821734695,"endTime":465.8940816734695,"body":"site"},{"speaker":"Mark Treichel","startTime":465.8940816734695,"endTime":466.0340811734695,"body":"that"},{"speaker":"Mark Treichel","startTime":466.05408217346945,"endTime":466.7040821734695,"body":"elongated"},{"speaker":"Mark Treichel","startTime":466.9640821734695,"endTime":467.37408217346945,"body":"getting"},{"speaker":"Mark Treichel","startTime":467.41408217346947,"endTime":467.9440816734695,"body":"exams"},{"speaker":"Mark Treichel","startTime":467.9440816734695,"endTime":468.2540811734695,"body":"done."},{"speaker":"Mark Treichel","startTime":468.68408217346945,"endTime":468.9440821734695,"body":"Of"},{"speaker":"Mark Treichel","startTime":468.9440821734695,"endTime":469.2540821734695,"body":"course,"},{"speaker":"Mark Treichel","startTime":469.2540821734695,"endTime":469.48408217346946,"body":"there's"},{"speaker":"Mark Treichel","startTime":469.48408217346946,"endTime":469.60408217346946,"body":"the"},{"speaker":"Mark Treichel","startTime":469.60408217346946,"endTime":469.9440821734695,"body":"exam"},{"speaker":"Mark Treichel","startTime":469.9440821734695,"endTime":470.23408217346946,"body":"review"},{"speaker":"Mark Treichel","startTime":470.24408217346945,"endTime":470.8940821734695,"body":"process"},{"speaker":"Mark Treichel","startTime":470.91408217346947,"endTime":471.1740821734695,"body":"which"},{"speaker":"Mark Treichel","startTime":471.1940821734695,"endTime":471.6440821734695,"body":"impacts"},{"speaker":"Mark Treichel","startTime":471.6440821734695,"endTime":471.97408217346947,"body":"that,"},{"speaker":"Mark Treichel","startTime":471.9840821734695,"endTime":472.28408217346947,"body":"but"},{"speaker":"Mark Treichel","startTime":472.6240821734695,"endTime":473.1940821734695,"body":"more"},{"speaker":"Mark Treichel","startTime":473.2440821734695,"endTime":473.7540821734695,"body":"often"},{"speaker":"Mark Treichel","startTime":473.7540821734695,"endTime":473.8840821734695,"body":"than"},{"speaker":"Mark Treichel","startTime":473.8940821734695,"endTime":474.3640821734695,"body":"not"},{"speaker":"Mark Treichel","startTime":475.57408217346955,"endTime":476.03408167346953,"body":"I'm"},{"speaker":"Mark Treichel","startTime":476.03408167346953,"endTime":476.4840811734695,"body":"hearing"},{"speaker":"Mark Treichel","startTime":476.49408117346957,"endTime":476.6740811734695,"body":"that"},{"speaker":"Mark Treichel","startTime":476.6740821734695,"endTime":476.95408167346955,"body":"credit"},{"speaker":"Mark Treichel","startTime":476.95408167346955,"endTime":477.31408117346956,"body":"unions"},{"speaker":"Mark Treichel","startTime":477.31408217346956,"endTime":477.4140821734695,"body":"are"},{"speaker":"Mark Treichel","startTime":477.4240821734695,"endTime":478.09408217346953,"body":"displeased"},{"speaker":"Mark Treichel","startTime":478.09408217346953,"endTime":478.2840821734695,"body":"with"},{"speaker":"Mark Treichel","startTime":478.30408217346957,"endTime":478.46408217346954,"body":"the"},{"speaker":"Mark Treichel","startTime":478.4740821734695,"endTime":479.16408217346947,"body":"timeline"},{"speaker":"Mark Treichel","startTime":479.20408117346955,"endTime":479.3840811734695,"body":"for"},{"speaker":"Mark Treichel","startTime":479.3940821734695,"endTime":479.69408217346955,"body":"getting"},{"speaker":"Mark Treichel","startTime":479.69408217346955,"endTime":479.84408217346953,"body":"their"},{"speaker":"Mark Treichel","startTime":479.84408217346953,"endTime":480.29408217346946,"body":"exam"},{"speaker":"Mark Treichel","startTime":480.33408217346954,"endTime":480.80408217346957,"body":"report"},{"speaker":"Mark Treichel","startTime":480.9740821734695,"endTime":481.6540821734695,"body":"finalized,"},{"speaker":"Mark Treichel","startTime":481.66408217346947,"endTime":482.04408217346946,"body":"and"},{"speaker":"Mark Treichel","startTime":482.5040811734695,"endTime":483.0140811734695,"body":"perhaps"},{"speaker":"Mark Treichel","startTime":483.0140821734695,"endTime":483.1540821734695,"body":"in"},{"speaker":"Mark Treichel","startTime":483.1540821734695,"endTime":483.3540821734695,"body":"that"},{"speaker":"Mark Treichel","startTime":483.3640821734695,"endTime":483.50408167346956,"body":"this"},{"speaker":"Mark Treichel","startTime":483.50408167346956,"endTime":483.6440811734695,"body":"is"},{"speaker":"Mark Treichel","startTime":483.6440821734695,"endTime":483.70408217346954,"body":"a"},{"speaker":"Mark Treichel","startTime":483.70408217346954,"endTime":483.93408217346956,"body":"whole"},{"speaker":"Mark Treichel","startTime":483.94408217346955,"endTime":484.2040816734695,"body":"nother"},{"speaker":"Mark Treichel","startTime":484.2040816734695,"endTime":484.6040811734695,"body":"topic"},{"speaker":"Mark Treichel","startTime":484.6040811734695,"endTime":485.0040811734695,"body":"not"},{"speaker":"Mark Treichel","startTime":485.0240811734695,"endTime":485.2840811734695,"body":"getting"},{"speaker":"Mark Treichel","startTime":485.2840811734695,"endTime":485.39408067346955,"body":"the"},{"speaker":"Mark Treichel","startTime":485.39408067346955,"endTime":486.1440801734695,"body":"opportunity"},{"speaker":"Mark Treichel","startTime":486.5240811734695,"endTime":486.6640806734695,"body":"to"},{"speaker":"Mark Treichel","startTime":486.6640806734695,"endTime":487.06408017346945,"body":"comment"},{"speaker":"Mark Treichel","startTime":487.06408017346945,"endTime":487.18408017346945,"body":"on"},{"speaker":"Mark Treichel","startTime":487.18408117346945,"endTime":487.2840811734695,"body":"the"},{"speaker":"Mark Treichel","startTime":487.2840811734695,"endTime":487.7740811734695,"body":"report"},{"speaker":"Mark Treichel","startTime":487.77418117346946,"endTime":487.8441811734694,"body":"the"},{"speaker":"Mark Treichel","startTime":487.8441811734694,"endTime":488.01418117346947,"body":"way"},{"speaker":"Mark Treichel","startTime":488.01418117346947,"endTime":488.16418117346944,"body":"that"},{"speaker":"Mark Treichel","startTime":488.16418117346944,"endTime":488.7341811734695,"body":"NSUA"},{"speaker":"Mark Treichel","startTime":488.79418117346944,"endTime":489.2041811734694,"body":"is"},{"speaker":"Mark Treichel","startTime":489.2541811734695,"endTime":489.6241811734695,"body":"falling"},{"speaker":"Mark Treichel","startTime":489.6241811734695,"endTime":490.02418117346946,"body":"behind,"},{"speaker":"Mark Treichel","startTime":490.03418117346945,"endTime":490.17418117346944,"body":"they"},{"speaker":"Mark Treichel","startTime":490.17418117346944,"endTime":490.7141811734694,"body":"sometimes"},{"speaker":"Mark Treichel","startTime":491.2491811734695,"endTime":491.4591811734694,"body":"Give"},{"speaker":"Mark Treichel","startTime":491.4591811734694,"endTime":491.5791811734694,"body":"it"},{"speaker":"Mark Treichel","startTime":491.5791811734694,"endTime":491.6991811734694,"body":"to"},{"speaker":"Mark Treichel","startTime":491.6991811734694,"endTime":491.88918117346947,"body":"you"},{"speaker":"Mark Treichel","startTime":491.88918117346947,"endTime":492.2391811734695,"body":"without"},{"speaker":"Mark Treichel","startTime":492.2391811734695,"endTime":492.3391811734694,"body":"an"},{"speaker":"Mark Treichel","startTime":492.3491811734695,"endTime":492.63918117346947,"body":"offer."},{"speaker":"Mark Treichel","startTime":492.65918117346945,"endTime":492.8091811734694,"body":"Give"},{"speaker":"Mark Treichel","startTime":492.8091811734694,"endTime":492.91918117346944,"body":"it"},{"speaker":"Mark Treichel","startTime":493.1891811734694,"endTime":493.3291811734694,"body":"to"},{"speaker":"Mark Treichel","startTime":493.3291811734694,"endTime":493.5691811734694,"body":"credit"},{"speaker":"Mark Treichel","startTime":493.5791811734694,"endTime":493.8091811734694,"body":"unions"},{"speaker":"Mark Treichel","startTime":493.8091811734694,"endTime":494.0791811734694,"body":"without"},{"speaker":"Mark Treichel","startTime":494.0791811734694,"endTime":494.1891811734694,"body":"the"},{"speaker":"Mark Treichel","startTime":494.1891811734694,"endTime":494.8491811734695,"body":"opportunity"},{"speaker":"Mark Treichel","startTime":494.8691811734695,"endTime":495.1991811734694,"body":"to"},{"speaker":"Mark Treichel","startTime":495.6891811734694,"endTime":495.88918117346947,"body":"for"},{"speaker":"Mark Treichel","startTime":495.88918117346947,"endTime":496.0591811734694,"body":"them"},{"speaker":"Mark Treichel","startTime":496.0591811734694,"endTime":496.0991811734695,"body":"to"},{"speaker":"Mark Treichel","startTime":496.1091811734695,"endTime":496.26918117346946,"body":"have"},{"speaker":"Mark Treichel","startTime":496.26918117346946,"endTime":496.3291811734694,"body":"an"},{"speaker":"Mark Treichel","startTime":496.3391811734694,"endTime":496.7391811734695,"body":"influence"},{"speaker":"Mark Treichel","startTime":496.7391811734695,"endTime":496.8591811734695,"body":"on"},{"speaker":"Mark Treichel","startTime":496.8591811734695,"endTime":496.9391811734694,"body":"the"},{"speaker":"Mark Treichel","startTime":496.9391811734694,"endTime":497.28918117346944,"body":"report,"},{"speaker":"Mark Treichel","startTime":497.28918117346944,"endTime":497.52918117346945,"body":"which"},{"speaker":"Mark Treichel","startTime":497.52918117346945,"endTime":497.79918117346944,"body":"is"},{"speaker":"Mark Treichel","startTime":497.8191811734694,"endTime":497.99918117346937,"body":"part"},{"speaker":"Mark Treichel","startTime":497.99918117346937,"endTime":498.11918117346937,"body":"and"},{"speaker":"Mark Treichel","startTime":498.11918117346937,"endTime":498.61918117346937,"body":"parcel"},{"speaker":"Mark Treichel","startTime":498.65918117346945,"endTime":498.87918117346936,"body":"and"},{"speaker":"Mark Treichel","startTime":498.88918117346935,"endTime":499.36918117346937,"body":"integral"},{"speaker":"Mark Treichel","startTime":499.36918117346937,"endTime":499.5491806734694,"body":"to"},{"speaker":"Mark Treichel","startTime":499.5491806734694,"endTime":499.67918017346943,"body":"the"},{"speaker":"Mark Treichel","startTime":499.67918017346943,"endTime":499.9891801734694,"body":"exam"},{"speaker":"Mark Treichel","startTime":499.9891811734694,"endTime":500.4791811734694,"body":"process."},{"speaker":"Mark Treichel","startTime":500.4791811734694,"endTime":500.79918117346944,"body":"So"},{"speaker":"Mark Treichel","startTime":501.1991811734694,"endTime":501.5491806734695,"body":"again,"},{"speaker":"Mark Treichel","startTime":501.5491806734695,"endTime":501.8291801734694,"body":"Chairman,"},{"speaker":"Mark Treichel","startTime":502.2091801734694,"endTime":502.6991801734694,"body":"chairman,"},{"speaker":"Mark Treichel","startTime":502.91918017346944,"endTime":503.13918017346947,"body":"vice"},{"speaker":"Mark Treichel","startTime":503.13918117346947,"endTime":503.4891811734695,"body":"chairman,"},{"speaker":"Mark Treichel","startTime":504.3291811734695,"endTime":504.78918117346944,"body":"focusing"},{"speaker":"Mark Treichel","startTime":504.78918117346944,"endTime":504.88918117346947,"body":"on"},{"speaker":"Mark Treichel","startTime":504.89918117346946,"endTime":504.9891811734695,"body":"the"},{"speaker":"Mark Treichel","startTime":504.9891811734695,"endTime":505.54918117346944,"body":"survey,"},{"speaker":"Mark Treichel","startTime":505.80918017346943,"endTime":506.2591801734695,"body":"focusing"},{"speaker":"Mark Treichel","startTime":506.26918017346946,"endTime":506.39918017346946,"body":"on"},{"speaker":"Mark Treichel","startTime":506.39918117346946,"endTime":506.8391811734695,"body":"recording"},{"speaker":"Mark Treichel","startTime":506.8391811734695,"endTime":507.3091811734694,"body":"meetings,"},{"speaker":"Mark Treichel","startTime":507.6291811734695,"endTime":508.04918117346944,"body":"which"},{"speaker":"Mark Treichel","startTime":508.3391801734695,"endTime":508.55918017346943,"body":"he's"},{"speaker":"Mark Treichel","startTime":508.5591811734694,"endTime":509.2491811734695,"body":"encouraging"},{"speaker":"Mark Treichel","startTime":509.2591801734695,"endTime":509.7191801734695,"body":"everybody"},{"speaker":"Mark Treichel","startTime":509.7391811734695,"endTime":509.8191811734694,"body":"to"},{"speaker":"Mark Treichel","startTime":509.81918117346953,"endTime":510.06918117346953,"body":"do."},{"speaker":"Mark Treichel","startTime":510.0791811734695,"endTime":510.2191811734695,"body":"He"},{"speaker":"Mark Treichel","startTime":510.2191811734695,"endTime":510.6191811734695,"body":"mentions"},{"speaker":"Mark Treichel","startTime":510.6191811734695,"endTime":510.79918117346944,"body":"that"},{"speaker":"Mark Treichel","startTime":510.79918117346944,"endTime":510.92918117346943,"body":"in"},{"speaker":"Mark Treichel","startTime":510.92918117346943,"endTime":511.2291811734695,"body":"merit,"},{"speaker":"Mark Treichel","startTime":511.26918117346946,"endTime":511.39918117346946,"body":"they"},{"speaker":"Mark Treichel","startTime":511.39918117346946,"endTime":511.6891811734694,"body":"actually"},{"speaker":"Mark Treichel","startTime":511.6891811734694,"endTime":511.78918117346944,"body":"have"},{"speaker":"Mark Treichel","startTime":511.78918117346944,"endTime":511.8791811734695,"body":"to"},{"speaker":"Mark Treichel","startTime":511.8791811734695,"endTime":512.1391811734695,"body":"check"},{"speaker":"Mark Treichel","startTime":512.1491811734695,"endTime":512.3991811734695,"body":"whether"},{"speaker":"Mark Treichel","startTime":512.3991811734695,"endTime":512.4391811734695,"body":"or"},{"speaker":"Mark Treichel","startTime":512.4391811734695,"endTime":512.6691811734695,"body":"not"},{"speaker":"Mark Treichel","startTime":512.6691811734695,"endTime":512.7691811734694,"body":"the"},{"speaker":"Mark Treichel","startTime":512.7691811734694,"endTime":513.0291811734694,"body":"credit"},{"speaker":"Mark Treichel","startTime":513.0391811734694,"endTime":513.4591811734695,"body":"universe"},{"speaker":"Mark Treichel","startTime":513.4891811734694,"endTime":513.9691811734695,"body":"recorded"},{"speaker":"Mark Treichel","startTime":513.9691811734695,"endTime":514.1391811734695,"body":"it."},{"speaker":"Mark Treichel","startTime":514.1991811734695,"endTime":514.3291811734696,"body":"He"},{"speaker":"Mark Treichel","startTime":514.3291811734696,"endTime":514.5991811734696,"body":"wants"},{"speaker":"Mark Treichel","startTime":514.5991811734696,"endTime":514.7791811734694,"body":"all"},{"speaker":"Mark Treichel","startTime":514.7891811734694,"endTime":515.0991811734696,"body":"federal"},{"speaker":"Mark Treichel","startTime":515.0991811734696,"endTime":515.3991811734695,"body":"credit"},{"speaker":"Mark Treichel","startTime":515.3991811734695,"endTime":515.7591811734694,"body":"unions"},{"speaker":"Mark Treichel","startTime":515.7591811734694,"endTime":515.8891811734695,"body":"to"},{"speaker":"Mark Treichel","startTime":515.8891811734695,"endTime":516.0591811734694,"body":"do"},{"speaker":"Mark Treichel","startTime":516.0591811734694,"endTime":516.4091811734695,"body":"that"},{"speaker":"Mark Treichel","startTime":517.2091811734695,"endTime":517.5491811734694,"body":"because"},{"speaker":"Mark Treichel","startTime":517.5491811734694,"endTime":517.6491811734695,"body":"it"},{"speaker":"Mark Treichel","startTime":517.6591811734695,"endTime":518.2991811734694,"body":"improves"},{"speaker":"Mark Treichel","startTime":518.2991811734694,"endTime":518.4791811734694,"body":"the"},{"speaker":"Mark Treichel","startTime":518.4791811734694,"endTime":519.1191811734693,"body":"administrative"},{"speaker":"Mark Treichel","startTime":519.1191811734693,"endTime":519.5991811734693,"body":"record."},{"speaker":"Mark Treichel","startTime":519.6091811734693,"endTime":520.2791811734694,"body":"And"},{"speaker":"Mark Treichel","startTime":520.2791811734694,"endTime":520.3191806734694,"body":"yeah."},{"speaker":"Mark Treichel","startTime":520.3891816734694,"endTime":520.4591816734694,"body":"I"},{"speaker":"Mark Treichel","startTime":520.4591816734694,"endTime":520.7991816734693,"body":"think"},{"speaker":"Mark Treichel","startTime":521.7991816734692,"endTime":522.0191816734692,"body":"his"},{"speaker":"Mark Treichel","startTime":522.0191816734692,"endTime":522.6591816734692,"body":"encouragement"},{"speaker":"Mark Treichel","startTime":522.6791816734692,"endTime":522.9091816734692,"body":"is"},{"speaker":"Mark Treichel","startTime":523.0891816734692,"endTime":523.2391816734691,"body":"a"},{"speaker":"Mark Treichel","startTime":523.2391816734691,"endTime":523.4591816734692,"body":"good"},{"speaker":"Mark Treichel","startTime":523.4591816734692,"endTime":523.8591816734692,"body":"reason"},{"speaker":"Mark Treichel","startTime":523.8891816734692,"endTime":524.0091816734692,"body":"for"},{"speaker":"Mark Treichel","startTime":524.0191816734692,"endTime":524.1391816734692,"body":"you"},{"speaker":"Mark Treichel","startTime":524.1391816734692,"endTime":524.2091816734692,"body":"to"},{"speaker":"Mark Treichel","startTime":524.2091816734692,"endTime":524.4091816734692,"body":"know"},{"speaker":"Mark Treichel","startTime":524.4091816734692,"endTime":524.5891816734692,"body":"that"},{"speaker":"Mark Treichel","startTime":524.5891816734692,"endTime":525.0491816734692,"body":"NCWA"},{"speaker":"Mark Treichel","startTime":525.0691816734692,"endTime":525.3991816734692,"body":"will"},{"speaker":"Mark Treichel","startTime":525.3991816734692,"endTime":525.8291816734692,"body":"accept"},{"speaker":"Mark Treichel","startTime":526.3791816734692,"endTime":526.6691816734692,"body":"that"},{"speaker":"Mark Treichel","startTime":526.6891816734693,"endTime":526.9591816734693,"body":"you"},{"speaker":"Mark Treichel","startTime":526.9591816734693,"endTime":527.1791816734693,"body":"do"},{"speaker":"Mark Treichel","startTime":527.1791816734693,"endTime":527.4791816734693,"body":"that."},{"speaker":"Mark Treichel","startTime":527.5391816734692,"endTime":527.7091811734692,"body":"All"},{"speaker":"Mark Treichel","startTime":527.7091811734692,"endTime":527.9991806734693,"body":"right."},{"speaker":"Mark Treichel","startTime":527.9991806734693,"endTime":528.2391806734693,"body":"And"},{"speaker":"Mark Treichel","startTime":528.2391816734693,"endTime":528.5291816734692,"body":"then"},{"speaker":"Mark Treichel","startTime":528.5591816734693,"endTime":528.8091816734693,"body":"new"},{"speaker":"Mark Treichel","startTime":528.8091816734693,"endTime":529.0891816734694,"body":"board"},{"speaker":"Mark Treichel","startTime":529.0891816734694,"endTime":529.3691816734694,"body":"member"},{"speaker":"Mark Treichel","startTime":529.3991816734693,"endTime":529.8991816734693,"body":"Otsuka"},{"speaker":"Mark Treichel","startTime":530.3991816734693,"endTime":530.7591816734694,"body":"what"},{"speaker":"Mark Treichel","startTime":530.9291826734693,"endTime":531.2491826734694,"body":"she"},{"speaker":"Mark Treichel","startTime":531.2691816734693,"endTime":531.8391816734693,"body":"indicated"},{"speaker":"Mark Treichel","startTime":531.8491816734693,"endTime":532.0991816734693,"body":"was"},{"speaker":"Mark Treichel","startTime":532.1191826734694,"endTime":532.5091826734694,"body":"finally"},{"speaker":"Mark Treichel","startTime":532.5091826734694,"endTime":532.6191826734694,"body":"the"},{"speaker":"Mark Treichel","startTime":532.6191826734694,"endTime":533.1391826734693,"body":"performance"},{"speaker":"Mark Treichel","startTime":533.1591826734693,"endTime":533.5091826734694,"body":"plan"},{"speaker":"Mark Treichel","startTime":533.5191816734693,"endTime":533.7891816734693,"body":"has"},{"speaker":"Mark Treichel","startTime":533.7991826734693,"endTime":534.0391826734693,"body":"set"},{"speaker":"Mark Treichel","startTime":534.0691826734693,"endTime":534.2391826734694,"body":"a"},{"speaker":"Mark Treichel","startTime":534.2391826734694,"endTime":534.6591826734693,"body":"target"},{"speaker":"Mark Treichel","startTime":534.6891816734693,"endTime":534.8291816734693,"body":"of"},{"speaker":"Mark Treichel","startTime":534.8291816734693,"endTime":535.2291816734693,"body":"60"},{"speaker":"Mark Treichel","startTime":535.2291826734693,"endTime":535.4691826734693,"body":"fair"},{"speaker":"Mark Treichel","startTime":535.4691826734693,"endTime":535.8091826734693,"body":"lending"},{"speaker":"Mark Treichel","startTime":535.8091826734693,"endTime":536.2891826734693,"body":"exams"},{"speaker":"Mark Treichel","startTime":536.2891826734693,"endTime":536.4491826734693,"body":"in"},{"speaker":"Mark Treichel","startTime":536.4491826734693,"endTime":537.3491826734693,"body":"2024."},{"speaker":"Mark Treichel","startTime":538.4591826734694,"endTime":538.4891826734694,"body":"Fair"},{"speaker":"Mark Treichel","startTime":538.4891826734694,"endTime":538.7491826734694,"body":"lending"},{"speaker":"Mark Treichel","startTime":538.7491826734694,"endTime":539.2491826734694,"body":"exams"},{"speaker":"Mark Treichel","startTime":539.2491826734694,"endTime":539.4791826734694,"body":"help"},{"speaker":"Mark Treichel","startTime":539.4791826734694,"endTime":539.8591826734694,"body":"ensure"},{"speaker":"Mark Treichel","startTime":539.8591826734694,"endTime":540.1591826734693,"body":"credit"},{"speaker":"Mark Treichel","startTime":540.1591826734693,"endTime":540.4691826734694,"body":"unions"},{"speaker":"Mark Treichel","startTime":540.4891826734694,"endTime":540.6691826734693,"body":"are"},{"speaker":"Mark Treichel","startTime":540.6691826734693,"endTime":541.1791826734693,"body":"fairly"},{"speaker":"Mark Treichel","startTime":541.1791826734693,"endTime":541.3691826734694,"body":"and"},{"speaker":"Mark Treichel","startTime":541.3991826734693,"endTime":542.1191826734694,"body":"equitably"},{"speaker":"Mark Treichel","startTime":542.1191826734694,"endTime":542.5691826734694,"body":"reaching"},{"speaker":"Mark Treichel","startTime":542.5791826734694,"endTime":542.8691826734694,"body":"all"},{"speaker":"Mark Treichel","startTime":542.8691826734694,"endTime":543.0691826734694,"body":"their"},{"speaker":"Mark Treichel","startTime":543.0691826734694,"endTime":543.5891826734694,"body":"members."},{"speaker":"Mark Treichel","startTime":544.0891826734693,"endTime":545.0491826734693,"body":"Unfortunately,"},{"speaker":"Mark Treichel","startTime":545.0491826734693,"endTime":545.2591826734694,"body":"we've"},{"speaker":"Mark Treichel","startTime":545.2591826734694,"endTime":545.5391826734693,"body":"seen"},{"speaker":"Mark Treichel","startTime":545.5391826734693,"endTime":545.7491826734694,"body":"that"},{"speaker":"Mark Treichel","startTime":545.7491826734694,"endTime":545.9691826734693,"body":"red"},{"speaker":"Mark Treichel","startTime":545.9691826734693,"endTime":546.3191826734693,"body":"lining"},{"speaker":"Mark Treichel","startTime":546.3191826734693,"endTime":546.4691826734693,"body":"and"},{"speaker":"Mark Treichel","startTime":546.4691826734693,"endTime":546.8291826734693,"body":"lending"},{"speaker":"Mark Treichel","startTime":546.8291826734693,"endTime":547.7991826734693,"body":"discrimination."},{"speaker":"Mark Treichel","startTime":548.0291826734693,"endTime":548.6691826734693,"body":"continue"},{"speaker":"Mark Treichel","startTime":548.7191826734694,"endTime":548.8691826734694,"body":"to"},{"speaker":"Mark Treichel","startTime":548.8791826734694,"endTime":549.0891826734694,"body":"be"},{"speaker":"Mark Treichel","startTime":549.0891826734694,"endTime":549.1791826734693,"body":"a"},{"speaker":"Mark Treichel","startTime":549.1991826734694,"endTime":549.7391826734694,"body":"problem"},{"speaker":"Mark Treichel","startTime":549.7691826734693,"endTime":550.3291826734694,"body":"today."},{"speaker":"Mark Treichel","startTime":550.4691826734694,"endTime":550.7391826734694,"body":"This"},{"speaker":"Mark Treichel","startTime":550.7491826734694,"endTime":551.0691826734694,"body":"will"},{"speaker":"Mark Treichel","startTime":551.0791826734694,"endTime":551.3991826734693,"body":"be"},{"speaker":"Mark Treichel","startTime":551.4491826734694,"endTime":551.6491826734693,"body":"an"},{"speaker":"Mark Treichel","startTime":551.6891826734694,"endTime":552.2091826734694,"body":"area"},{"speaker":"Mark Treichel","startTime":552.2591826734694,"endTime":552.4691826734694,"body":"of"},{"speaker":"Mark Treichel","startTime":552.4791826734694,"endTime":553.0191826734693,"body":"focus"},{"speaker":"Mark Treichel","startTime":553.0191826734693,"endTime":553.3391826734694,"body":"for"},{"speaker":"Mark Treichel","startTime":553.3391826734694,"endTime":553.6691826734693,"body":"me."},{"speaker":"Mark Treichel","startTime":553.8991826734693,"endTime":554.0591826734694,"body":"That's"},{"speaker":"Mark Treichel","startTime":554.0591826734694,"endTime":554.3291826734694,"body":"probably"},{"speaker":"Mark Treichel","startTime":554.3291826734694,"endTime":554.4291826734693,"body":"the"},{"speaker":"Mark Treichel","startTime":554.4291826734693,"endTime":554.7891826734693,"body":"biggest"},{"speaker":"Mark Treichel","startTime":554.7891826734693,"endTime":555.3591826734694,"body":"takeaway."},{"speaker":"Mark Treichel","startTime":555.5691826734694,"endTime":555.7391826734694,"body":"This"},{"speaker":"Mark Treichel","startTime":555.7391826734694,"endTime":555.8791826734694,"body":"is"},{"speaker":"Mark Treichel","startTime":555.8791826734694,"endTime":556.4191826734693,"body":"consistent"},{"speaker":"Mark Treichel","startTime":556.4191826734693,"endTime":556.5491821734694,"body":"by"},{"speaker":"Mark Treichel","startTime":556.5491821734694,"endTime":556.6491816734693,"body":"the"},{"speaker":"Mark Treichel","startTime":556.6491826734693,"endTime":556.9091826734693,"body":"way."},{"speaker":"Mark Treichel","startTime":556.9591826734694,"endTime":557.1491826734693,"body":"And"},{"speaker":"Mark Treichel","startTime":557.1491826734693,"endTime":557.2991821734694,"body":"now"},{"speaker":"Mark Treichel","startTime":557.2991821734694,"endTime":557.4491816734694,"body":"I've"},{"speaker":"Mark Treichel","startTime":557.4491826734694,"endTime":557.6391826734693,"body":"gone"},{"speaker":"Mark Treichel","startTime":557.6391826734693,"endTime":557.8091826734694,"body":"off"},{"speaker":"Mark Treichel","startTime":557.8091826734694,"endTime":557.9191826734693,"body":"the"},{"speaker":"Mark Treichel","startTime":557.9191826734693,"endTime":558.2491826734694,"body":"quote."},{"speaker":"Mark Treichel","startTime":558.7191826734694,"endTime":558.9691826734694,"body":"This"},{"speaker":"Mark Treichel","startTime":558.9791816734694,"endTime":559.0991816734694,"body":"is"},{"speaker":"Mark Treichel","startTime":559.0991826734694,"endTime":559.6091821734694,"body":"consistent"},{"speaker":"Mark Treichel","startTime":559.6091821734694,"endTime":559.7791816734695,"body":"with"},{"speaker":"Mark Treichel","startTime":559.7791826734694,"endTime":559.9291826734694,"body":"what"},{"speaker":"Mark Treichel","startTime":559.9291826734694,"endTime":560.0091826734695,"body":"I"},{"speaker":"Mark Treichel","startTime":560.0091826734695,"endTime":560.7491826734695,"body":"anticipated"},{"speaker":"Mark Treichel","startTime":560.7491826734695,"endTime":560.8691826734695,"body":"would"},{"speaker":"Mark Treichel","startTime":560.8791826734695,"endTime":560.9991826734695,"body":"be"},{"speaker":"Mark Treichel","startTime":560.9991826734695,"endTime":561.3291826734694,"body":"coming"},{"speaker":"Mark Treichel","startTime":561.3291826734694,"endTime":561.7291826734694,"body":"from"},{"speaker":"Mark Treichel","startTime":561.8291826734694,"endTime":562.0491826734694,"body":"board"},{"speaker":"Mark Treichel","startTime":562.0491826734694,"endTime":562.2591826734695,"body":"member"},{"speaker":"Mark Treichel","startTime":562.2791826734694,"endTime":562.7791826734694,"body":"Oscar"},{"speaker":"Mark Treichel","startTime":562.8091816734694,"endTime":563.0691816734694,"body":"and"},{"speaker":"Mark Treichel","startTime":563.0691826734694,"endTime":563.2791826734694,"body":"a"},{"speaker":"Mark Treichel","startTime":563.2991826734694,"endTime":563.8691826734695,"body":"Democrat"},{"speaker":"Mark Treichel","startTime":563.8991816734695,"endTime":564.1591816734694,"body":"led"},{"speaker":"Mark Treichel","startTime":564.1791816734694,"endTime":564.4391816734694,"body":"board"},{"speaker":"Mark Treichel","startTime":564.4391816734694,"endTime":564.8591816734694,"body":"member,"},{"speaker":"Mark Treichel","startTime":564.9891836734695,"endTime":565.1691826734694,"body":"excuse"},{"speaker":"Mark Treichel","startTime":565.1691826734694,"endTime":565.2791816734695,"body":"me,"},{"speaker":"Mark Treichel","startTime":565.2791826734694,"endTime":565.3391821734695,"body":"a"},{"speaker":"Mark Treichel","startTime":565.3391821734695,"endTime":565.9891816734695,"body":"democratic"},{"speaker":"Mark Treichel","startTime":565.9891836734695,"endTime":566.1891826734694,"body":"led"},{"speaker":"Mark Treichel","startTime":566.1891826734694,"endTime":566.4991816734695,"body":"into"},{"speaker":"Mark Treichel","startTime":566.4991816734695,"endTime":566.5791816734694,"body":"a"},{"speaker":"Mark Treichel","startTime":566.5791826734694,"endTime":566.9791826734694,"body":"board."},{"speaker":"Mark Treichel","startTime":567.4141826734694,"endTime":567.6641826734694,"body":"But"},{"speaker":"Mark Treichel","startTime":567.6741826734694,"endTime":567.9741826734695,"body":"this"},{"speaker":"Mark Treichel","startTime":568.0041826734695,"endTime":568.2941826734694,"body":"will"},{"speaker":"Mark Treichel","startTime":568.2941826734694,"endTime":568.5841826734695,"body":"be"},{"speaker":"Mark Treichel","startTime":568.6041826734695,"endTime":568.7641826734695,"body":"an"},{"speaker":"Mark Treichel","startTime":568.7741826734695,"endTime":569.0841826734695,"body":"area"},{"speaker":"Mark Treichel","startTime":569.0841826734695,"endTime":569.1841826734694,"body":"of"},{"speaker":"Mark Treichel","startTime":569.1841826734694,"endTime":569.5641826734694,"body":"focus"},{"speaker":"Mark Treichel","startTime":569.5641826734694,"endTime":569.7341826734695,"body":"for"},{"speaker":"Mark Treichel","startTime":569.7441826734695,"endTime":569.9241826734694,"body":"me."},{"speaker":"Mark Treichel","startTime":569.9441826734694,"endTime":570.0941826734695,"body":"I"},{"speaker":"Mark Treichel","startTime":570.0941826734695,"endTime":570.5241826734695,"body":"support"},{"speaker":"Mark Treichel","startTime":570.5341826734694,"endTime":570.6341826734695,"body":"a"},{"speaker":"Mark Treichel","startTime":570.6341826734695,"endTime":571.0441826734694,"body":"stronger"},{"speaker":"Mark Treichel","startTime":571.0441826734694,"endTime":571.4541826734694,"body":"consumer"},{"speaker":"Mark Treichel","startTime":571.4541826734694,"endTime":571.9141826734694,"body":"compliance"},{"speaker":"Mark Treichel","startTime":571.9141826734694,"endTime":572.4441826734694,"body":"program,"},{"speaker":"Mark Treichel","startTime":572.4441826734694,"endTime":572.5841826734695,"body":"and"},{"speaker":"Mark Treichel","startTime":572.5841826734695,"endTime":572.7141826734695,"body":"I'd"},{"speaker":"Mark Treichel","startTime":572.7141826734695,"endTime":572.9041826734694,"body":"like"},{"speaker":"Mark Treichel","startTime":572.9041826734694,"endTime":573.0241826734695,"body":"to"},{"speaker":"Mark Treichel","startTime":573.0241826734695,"endTime":573.3341826734695,"body":"work"},{"speaker":"Mark Treichel","startTime":573.5941826734695,"endTime":573.8141826734694,"body":"with"},{"speaker":"Mark Treichel","startTime":573.8241826734694,"endTime":573.9341826734694,"body":"the"},{"speaker":"Mark Treichel","startTime":573.9341826734694,"endTime":574.3741826734695,"body":"board"},{"speaker":"Mark Treichel","startTime":574.6041826734695,"endTime":574.7541826734695,"body":"to"},{"speaker":"Mark Treichel","startTime":574.7541826734695,"endTime":575.2141826734695,"body":"continue"},{"speaker":"Mark Treichel","startTime":575.2141826734695,"endTime":575.3341826734695,"body":"to"},{"speaker":"Mark Treichel","startTime":575.3341826734695,"endTime":575.8841826734695,"body":"strengthen"},{"speaker":"Mark Treichel","startTime":575.8941826734695,"endTime":576.0741821734695,"body":"our"},{"speaker":"Mark Treichel","startTime":576.0741821734695,"endTime":576.3441816734695,"body":"fair"},{"speaker":"Mark Treichel","startTime":576.3441826734695,"endTime":576.7841826734694,"body":"lending"},{"speaker":"Mark Treichel","startTime":576.7941826734694,"endTime":577.0141826734695,"body":"and"},{"speaker":"Mark Treichel","startTime":577.0141826734695,"endTime":577.4741826734695,"body":"consumer"},{"speaker":"Mark Treichel","startTime":577.4741826734695,"endTime":578.0541826734694,"body":"protection"},{"speaker":"Mark Treichel","startTime":578.0741816734694,"endTime":578.4541816734694,"body":"efforts."},{"speaker":"Mark Treichel","startTime":578.5941826734695,"endTime":578.9541826734694,"body":"So"},{"speaker":"Mark Treichel","startTime":579.9741826734694,"endTime":580.2541826734695,"body":"that's"},{"speaker":"Mark Treichel","startTime":580.3941816734695,"endTime":580.6341816734695,"body":"pretty"},{"speaker":"Mark Treichel","startTime":580.6341826734695,"endTime":581.0041826734695,"body":"direct,"},{"speaker":"Mark Treichel","startTime":581.0341826734694,"endTime":581.3341826734694,"body":"pretty"},{"speaker":"Mark Treichel","startTime":581.3341826734694,"endTime":581.7441826734695,"body":"clear."},{"speaker":"Mark Treichel","startTime":581.7841826734694,"endTime":582.0641821734695,"body":"First"},{"speaker":"Mark Treichel","startTime":582.0641821734695,"endTime":582.2741816734695,"body":"time"},{"speaker":"Mark Treichel","startTime":582.2741816734695,"endTime":582.4541816734694,"body":"she"},{"speaker":"Mark Treichel","startTime":582.4541826734694,"endTime":582.8541821734694,"body":"speaks,"},{"speaker":"Mark Treichel","startTime":582.8541821734694,"endTime":583.0341816734694,"body":"she"},{"speaker":"Mark Treichel","startTime":583.0441826734694,"endTime":583.3641826734695,"body":"says"},{"speaker":"Mark Treichel","startTime":583.4541826734694,"endTime":583.6441821734694,"body":"it's"},{"speaker":"Mark Treichel","startTime":583.6441821734694,"endTime":583.8741816734695,"body":"about"},{"speaker":"Mark Treichel","startTime":583.8741826734695,"endTime":584.0841826734694,"body":"fair"},{"speaker":"Mark Treichel","startTime":584.0841826734694,"endTime":584.4341826734694,"body":"lending."},{"speaker":"Mark Treichel","startTime":584.4341826734694,"endTime":584.5541821734695,"body":"It's"},{"speaker":"Mark Treichel","startTime":584.5541821734695,"endTime":584.7941816734694,"body":"about"},{"speaker":"Mark Treichel","startTime":584.7941816734694,"endTime":585.1541816734695,"body":"consumer"},{"speaker":"Mark Treichel","startTime":585.1541826734694,"endTime":585.8341826734694,"body":"protection,"},{"speaker":"Mark Treichel","startTime":585.8941816734695,"endTime":586.3141816734694,"body":"which"},{"speaker":"Mark Treichel","startTime":586.6041826734694,"endTime":586.8041821734695,"body":"no"},{"speaker":"Mark Treichel","startTime":586.8041821734695,"endTime":587.4241816734694,"body":"surprise."},{"speaker":"Mark Treichel","startTime":587.4741816734695,"endTime":587.8641816734695,"body":"She"},{"speaker":"Mark Treichel","startTime":587.8741816734695,"endTime":588.1841816734695,"body":"is"},{"speaker":"Mark Treichel","startTime":588.2141816734695,"endTime":588.4041816734696,"body":"a"},{"speaker":"Mark Treichel","startTime":588.5641816734695,"endTime":589.1041816734696,"body":"Democrat"},{"speaker":"Mark Treichel","startTime":589.1141816734696,"endTime":589.4541816734695,"body":"coming"},{"speaker":"Mark Treichel","startTime":589.4541816734695,"endTime":589.8041816734695,"body":"from."},{"speaker":"Mark Treichel","startTime":590.2241826734695,"endTime":590.5741826734695,"body":"Sherrod"},{"speaker":"Mark Treichel","startTime":590.5841826734695,"endTime":590.9541826734695,"body":"Brown's"},{"speaker":"Mark Treichel","startTime":590.9541826734695,"endTime":591.3241826734695,"body":"camp"},{"speaker":"Mark Treichel","startTime":591.4141826734696,"endTime":592.0741826734695,"body":"and"},{"speaker":"Mark Treichel","startTime":592.1441826734695,"endTime":592.4041826734694,"body":"not"},{"speaker":"Mark Treichel","startTime":592.4041826734694,"endTime":592.8241826734695,"body":"surprised"},{"speaker":"Mark Treichel","startTime":592.8241826734695,"endTime":592.9841826734695,"body":"here"},{"speaker":"Mark Treichel","startTime":592.9841826734695,"endTime":593.4741826734695,"body":"predicted"},{"speaker":"Mark Treichel","startTime":593.4741826734695,"endTime":593.6641826734696,"body":"it,"},{"speaker":"Mark Treichel","startTime":593.6641826734696,"endTime":593.8741826734695,"body":"but"},{"speaker":"Mark Treichel","startTime":593.8741826734695,"endTime":594.1241826734695,"body":"what"},{"speaker":"Mark Treichel","startTime":594.1241826734695,"endTime":594.3041826734695,"body":"will"},{"speaker":"Mark Treichel","startTime":594.3041826734695,"endTime":594.5141826734695,"body":"that"},{"speaker":"Mark Treichel","startTime":594.5141826734695,"endTime":594.9441826734695,"body":"mean"},{"speaker":"Mark Treichel","startTime":595.3341826734694,"endTime":595.5841826734694,"body":"in"},{"speaker":"Mark Treichel","startTime":595.5841826734694,"endTime":596.9441826734694,"body":"2024,"},{"speaker":"Mark Treichel","startTime":597.0041826734695,"endTime":597.2641826734695,"body":"more"},{"speaker":"Mark Treichel","startTime":597.2641826734695,"endTime":597.4641826734694,"body":"fair"},{"speaker":"Mark Treichel","startTime":597.4641826734694,"endTime":597.7941826734694,"body":"lending"},{"speaker":"Mark Treichel","startTime":597.7941826734694,"endTime":598.3541826734694,"body":"exams,"},{"speaker":"Mark Treichel","startTime":598.5041826734695,"endTime":599.0441826734694,"body":"probably"},{"speaker":"Mark Treichel","startTime":599.0541826734694,"endTime":599.4541826734694,"body":"more"},{"speaker":"Mark Treichel","startTime":599.4841816734694,"endTime":599.9441816734694,"body":"items"},{"speaker":"Mark Treichel","startTime":599.9541826734694,"endTime":600.2041826734694,"body":"in"},{"speaker":"Mark Treichel","startTime":600.2041826734694,"endTime":600.6141826734694,"body":"the"},{"speaker":"Mark Treichel","startTime":600.6341826734695,"endTime":601.0441826734694,"body":"priority"},{"speaker":"Mark Treichel","startTime":601.0441826734694,"endTime":601.3241826734694,"body":"letter"},{"speaker":"Mark Treichel","startTime":601.3241826734694,"endTime":601.4441821734695,"body":"on"},{"speaker":"Mark Treichel","startTime":601.4441821734695,"endTime":601.8341816734694,"body":"consumer"},{"speaker":"Mark Treichel","startTime":601.8341826734694,"endTime":602.4141826734694,"body":"compliance."},{"speaker":"Mark Treichel","startTime":602.8841826734695,"endTime":603.1541826734694,"body":"And"},{"speaker":"Mark Treichel","startTime":603.1541826734694,"endTime":603.5341826734694,"body":"then"},{"speaker":"Mark Treichel","startTime":603.5841826734695,"endTime":604.1141821734695,"body":"I'm"},{"speaker":"Mark Treichel","startTime":604.2541821734695,"endTime":604.6741821734695,"body":"really"},{"speaker":"Mark Treichel","startTime":604.6741821734695,"endTime":605.0241821734695,"body":"interested"},{"speaker":"Mark Treichel","startTime":605.0741831734696,"endTime":605.1841831734696,"body":"to"},{"speaker":"Mark Treichel","startTime":605.1841831734696,"endTime":605.4041831734695,"body":"see"},{"speaker":"Mark Treichel","startTime":605.4041831734695,"endTime":605.5941831734696,"body":"what"},{"speaker":"Mark Treichel","startTime":605.5941831734696,"endTime":605.7241826734695,"body":"they"},{"speaker":"Mark Treichel","startTime":605.7241826734695,"endTime":605.8841821734695,"body":"do"},{"speaker":"Mark Treichel","startTime":605.8841831734695,"endTime":605.9841826734695,"body":"in"},{"speaker":"Mark Treichel","startTime":605.9841826734695,"endTime":606.0841821734696,"body":"the"},{"speaker":"Mark Treichel","startTime":606.0841821734696,"endTime":606.5341821734695,"body":"budget"},{"speaker":"Mark Treichel","startTime":606.6041831734696,"endTime":606.8341826734695,"body":"in"},{"speaker":"Mark Treichel","startTime":606.8341826734695,"endTime":607.9341821734696,"body":"2025,"},{"speaker":"Mark Treichel","startTime":607.9441831734696,"endTime":608.2941831734695,"body":"which"},{"speaker":"Mark Treichel","startTime":608.3141821734696,"endTime":608.3541821734696,"body":"of"},{"speaker":"Mark Treichel","startTime":608.3541831734696,"endTime":608.6041831734696,"body":"course"},{"speaker":"Mark Treichel","startTime":608.6041831734696,"endTime":608.8841831734695,"body":"doesn't"},{"speaker":"Mark Treichel","startTime":608.8841831734695,"endTime":609.0341831734695,"body":"come"},{"speaker":"Mark Treichel","startTime":609.0341831734695,"endTime":609.2441831734695,"body":"out"},{"speaker":"Mark Treichel","startTime":609.2541831734695,"endTime":609.5741831734696,"body":"till"},{"speaker":"Mark Treichel","startTime":609.5841831734696,"endTime":609.9341831734696,"body":"later"},{"speaker":"Mark Treichel","startTime":609.9341831734696,"endTime":610.1241831734695,"body":"this"},{"speaker":"Mark Treichel","startTime":610.1241831734695,"endTime":610.5141831734695,"body":"year."},{"speaker":"Mark Treichel","startTime":611.4641831734697,"endTime":611.8541831734697,"body":"Draft"},{"speaker":"Mark Treichel","startTime":611.8541831734697,"endTime":611.9841831734697,"body":"in"},{"speaker":"Mark Treichel","startTime":612.7941831734696,"endTime":613.4441831734697,"body":"October"},{"speaker":"Mark Treichel","startTime":613.5441831734696,"endTime":613.9841831734697,"body":"approved"},{"speaker":"Mark Treichel","startTime":613.9841831734697,"endTime":614.0841831734697,"body":"in"},{"speaker":"Mark Treichel","startTime":614.0841831734697,"endTime":614.6741831734696,"body":"December,"},{"speaker":"Mark Treichel","startTime":615.7141831734697,"endTime":616.0041831734696,"body":"but"},{"speaker":"Mark Treichel","startTime":616.0141831734696,"endTime":616.2941831734696,"body":"there's"},{"speaker":"Mark Treichel","startTime":616.2941831734696,"endTime":616.4241831734696,"body":"going"},{"speaker":"Mark Treichel","startTime":616.4241831734696,"endTime":616.4841831734697,"body":"to"},{"speaker":"Mark Treichel","startTime":616.4941831734697,"endTime":616.6541831734696,"body":"be"},{"speaker":"Mark Treichel","startTime":616.6541831734696,"endTime":616.8941831734696,"body":"more"},{"speaker":"Mark Treichel","startTime":616.8941831734696,"endTime":617.4141831734696,"body":"resources"},{"speaker":"Mark Treichel","startTime":617.4141831734696,"endTime":617.6841831734696,"body":"spent"},{"speaker":"Mark Treichel","startTime":617.6841831734696,"endTime":617.8041831734696,"body":"on"},{"speaker":"Mark Treichel","startTime":617.8041831734696,"endTime":617.9941831734697,"body":"this,"},{"speaker":"Mark Treichel","startTime":617.9941831734697,"endTime":618.8141831734696,"body":"particularly"},{"speaker":"Mark Treichel","startTime":618.8541831734697,"endTime":619.2941831734696,"body":"again,"},{"speaker":"Mark Treichel","startTime":619.3341831734697,"endTime":619.6841831734696,"body":"when"},{"speaker":"Mark Treichel","startTime":619.8141831734696,"endTime":620.1241831734696,"body":"chairman"},{"speaker":"Mark Treichel","startTime":620.1241831734696,"endTime":620.4141831734696,"body":"Harper"},{"speaker":"Mark Treichel","startTime":620.4141831734696,"endTime":620.7241831734697,"body":"says"},{"speaker":"Mark Treichel","startTime":620.7341831734697,"endTime":620.8841831734696,"body":"we're"},{"speaker":"Mark Treichel","startTime":620.8841831734696,"endTime":621.0041831734696,"body":"going"},{"speaker":"Mark Treichel","startTime":621.0041831734696,"endTime":621.0941831734697,"body":"to"},{"speaker":"Mark Treichel","startTime":621.0941831734697,"endTime":621.4041831734696,"body":"put"},{"speaker":"Mark Treichel","startTime":621.5041831734696,"endTime":621.8941831734696,"body":"consumer"},{"speaker":"Mark Treichel","startTime":621.8941831734696,"endTime":622.4741831734697,"body":"compliance"},{"speaker":"Mark Treichel","startTime":622.4741831734697,"endTime":622.5841831734697,"body":"on"},{"speaker":"Mark Treichel","startTime":622.6141821734697,"endTime":622.9641821734697,"body":"equal"},{"speaker":"Mark Treichel","startTime":622.9641831734697,"endTime":623.3841831734696,"body":"footing"},{"speaker":"Mark Treichel","startTime":623.4641831734697,"endTime":623.6541826734697,"body":"with"},{"speaker":"Mark Treichel","startTime":623.6541826734697,"endTime":623.9741821734697,"body":"safety"},{"speaker":"Mark Treichel","startTime":623.9741831734697,"endTime":624.0841831734697,"body":"and"},{"speaker":"Mark Treichel","startTime":624.0841831734697,"endTime":624.4841831734697,"body":"soundness"},{"speaker":"Mark Treichel","startTime":625.4641831734697,"endTime":626.0541831734696,"body":"90."},{"speaker":"Mark Treichel","startTime":626.5891831734696,"endTime":626.8291831734696,"body":"5"},{"speaker":"Mark Treichel","startTime":626.8491831734696,"endTime":627.1891831734696,"body":"percent"},{"speaker":"Mark Treichel","startTime":627.1891831734696,"endTime":627.3291831734696,"body":"of"},{"speaker":"Mark Treichel","startTime":627.3391831734696,"endTime":627.7391831734695,"body":"NCOA"},{"speaker":"Mark Treichel","startTime":627.7491831734695,"endTime":628.1291831734695,"body":"staff"},{"speaker":"Mark Treichel","startTime":628.1291831734695,"endTime":628.2191831734696,"body":"are"},{"speaker":"Mark Treichel","startTime":628.2191831734696,"endTime":628.5191831734695,"body":"safety"},{"speaker":"Mark Treichel","startTime":628.5191831734695,"endTime":628.6191831734695,"body":"and"},{"speaker":"Mark Treichel","startTime":628.6191831734695,"endTime":628.9591831734696,"body":"soundness"},{"speaker":"Mark Treichel","startTime":628.9691831734696,"endTime":629.4091831734695,"body":"staff"},{"speaker":"Mark Treichel","startTime":629.8291831734697,"endTime":630.3891831734697,"body":"and"},{"speaker":"Mark Treichel","startTime":630.4191831734697,"endTime":630.6291831734698,"body":"they're"},{"speaker":"Mark Treichel","startTime":630.6291831734698,"endTime":631.0291831734697,"body":"different"},{"speaker":"Mark Treichel","startTime":631.0391831734697,"endTime":631.2991831734697,"body":"types"},{"speaker":"Mark Treichel","startTime":631.2991831734697,"endTime":631.4091831734697,"body":"of"},{"speaker":"Mark Treichel","startTime":631.4191831734697,"endTime":631.7891831734697,"body":"people"},{"speaker":"Mark Treichel","startTime":631.7891831734697,"endTime":631.9791831734697,"body":"than"},{"speaker":"Mark Treichel","startTime":631.9791831734697,"endTime":632.0691831734697,"body":"the"},{"speaker":"Mark Treichel","startTime":632.0691831734697,"endTime":632.4191831734697,"body":"people"},{"speaker":"Mark Treichel","startTime":632.4191831734697,"endTime":632.5691831734697,"body":"who"},{"speaker":"Mark Treichel","startTime":632.5691831734697,"endTime":632.8591831734697,"body":"want"},{"speaker":"Mark Treichel","startTime":632.9191831734697,"endTime":633.5891831734697,"body":"consumer"},{"speaker":"Mark Treichel","startTime":633.7891831734697,"endTime":633.9491826734696,"body":"who"},{"speaker":"Mark Treichel","startTime":633.9491826734696,"endTime":634.3091821734697,"body":"pursue"},{"speaker":"Mark Treichel","startTime":634.3091831734697,"endTime":634.7291831734697,"body":"consumer"},{"speaker":"Mark Treichel","startTime":634.7291831734697,"endTime":635.2691831734696,"body":"compliance."},{"speaker":"Mark Treichel","startTime":635.2691831734696,"endTime":635.4491831734697,"body":"They're"},{"speaker":"Mark Treichel","startTime":635.4591831734697,"endTime":635.7991831734697,"body":"different"},{"speaker":"Mark Treichel","startTime":635.7991831734697,"endTime":636.2291831734697,"body":"breeds,"},{"speaker":"Mark Treichel","startTime":636.6791831734697,"endTime":636.8391831734697,"body":"they're"},{"speaker":"Mark Treichel","startTime":636.8391831734697,"endTime":637.1291831734696,"body":"different"},{"speaker":"Mark Treichel","startTime":637.1291831734696,"endTime":638.0091831734696,"body":"personalities,"},{"speaker":"Mark Treichel","startTime":638.0291821734696,"endTime":638.3191821734697,"body":"and"},{"speaker":"Mark Treichel","startTime":638.3791831734696,"endTime":638.6091826734697,"body":"it's"},{"speaker":"Mark Treichel","startTime":638.6091826734697,"endTime":638.7591821734696,"body":"going"},{"speaker":"Mark Treichel","startTime":638.7591831734696,"endTime":638.7991831734697,"body":"to"},{"speaker":"Mark Treichel","startTime":638.7991831734697,"endTime":639.3891831734696,"body":"be"},{"speaker":"Mark Treichel","startTime":639.4791831734697,"endTime":639.9191831734696,"body":"obvious"},{"speaker":"Mark Treichel","startTime":639.9391831734697,"endTime":640.1291831734696,"body":"that"},{"speaker":"Mark Treichel","startTime":640.1391831734696,"endTime":640.2791831734696,"body":"they're"},{"speaker":"Mark Treichel","startTime":640.2791831734696,"endTime":640.3691831734697,"body":"going"},{"speaker":"Mark Treichel","startTime":640.3691831734697,"endTime":640.3891831734696,"body":"to"},{"speaker":"Mark Treichel","startTime":640.3991831734696,"endTime":640.5591831734697,"body":"have"},{"speaker":"Mark Treichel","startTime":640.5591831734697,"endTime":640.6391831734696,"body":"to"},{"speaker":"Mark Treichel","startTime":640.6391831734696,"endTime":640.8991831734696,"body":"hire"},{"speaker":"Mark Treichel","startTime":640.9091831734696,"endTime":641.0991826734696,"body":"new"},{"speaker":"Mark Treichel","startTime":641.0991826734696,"endTime":641.6091821734697,"body":"people"},{"speaker":"Mark Treichel","startTime":642.2491831734696,"endTime":642.4591831734697,"body":"to"},{"speaker":"Mark Treichel","startTime":642.4691831734697,"endTime":642.6791831734697,"body":"do"},{"speaker":"Mark Treichel","startTime":642.6791841734697,"endTime":643.0291841734696,"body":"this,"},{"speaker":"Mark Treichel","startTime":643.2891821734696,"endTime":643.5591821734697,"body":"which"},{"speaker":"Mark Treichel","startTime":643.5591831734697,"endTime":643.6991826734696,"body":"is"},{"speaker":"Mark Treichel","startTime":643.6991826734696,"endTime":643.8691821734697,"body":"all"},{"speaker":"Mark Treichel","startTime":643.8691821734697,"endTime":644.2891821734696,"body":"great."},{"speaker":"Mark Treichel","startTime":644.5091831734698,"endTime":644.7591831734698,"body":"But"},{"speaker":"Mark Treichel","startTime":644.7691831734697,"endTime":644.8791831734698,"body":"the"},{"speaker":"Mark Treichel","startTime":644.8791831734698,"endTime":645.3391831734698,"body":"pivot"},{"speaker":"Mark Treichel","startTime":645.3691831734698,"endTime":645.5391831734697,"body":"is"},{"speaker":"Mark Treichel","startTime":645.5391831734697,"endTime":645.6591831734697,"body":"going"},{"speaker":"Mark Treichel","startTime":645.6591831734697,"endTime":645.6891831734697,"body":"to"},{"speaker":"Mark Treichel","startTime":645.6891831734697,"endTime":645.7891831734697,"body":"be"},{"speaker":"Mark Treichel","startTime":645.7891831734697,"endTime":645.8591831734698,"body":"a"},{"speaker":"Mark Treichel","startTime":645.8591831734698,"endTime":646.0691831734697,"body":"little"},{"speaker":"Mark Treichel","startTime":646.0691831734697,"endTime":646.2691831734697,"body":"bit"},{"speaker":"Mark Treichel","startTime":646.2691831734697,"endTime":646.7891831734697,"body":"harder"},{"speaker":"Mark Treichel","startTime":646.8391831734698,"endTime":646.9591831734698,"body":"to"},{"speaker":"Mark Treichel","startTime":646.9591831734698,"endTime":647.3391831734698,"body":"achieve"},{"speaker":"Mark Treichel","startTime":647.3791831734699,"endTime":647.6791831734698,"body":"equal"},{"speaker":"Mark Treichel","startTime":647.6791831734698,"endTime":648.1291831734699,"body":"footing"},{"speaker":"Mark Treichel","startTime":648.1591831734698,"endTime":648.4191831734698,"body":"or"},{"speaker":"Mark Treichel","startTime":648.4191831734698,"endTime":648.6291831734699,"body":"how,"},{"speaker":"Mark Treichel","startTime":648.6591831734698,"endTime":648.7391831734699,"body":"I"},{"speaker":"Mark Treichel","startTime":648.7391831734699,"endTime":648.9191831734698,"body":"guess"},{"speaker":"Mark Treichel","startTime":648.9191831734698,"endTime":648.9991831734699,"body":"it"},{"speaker":"Mark Treichel","startTime":648.9991831734699,"endTime":649.2491831734699,"body":"depends"},{"speaker":"Mark Treichel","startTime":649.2491831734699,"endTime":649.3591831734699,"body":"how"},{"speaker":"Mark Treichel","startTime":649.3591831734699,"endTime":649.6491831734699,"body":"you"},{"speaker":"Mark Treichel","startTime":649.6891831734698,"endTime":650.1291831734699,"body":"define."},{"speaker":"Mark Treichel","startTime":650.5741831734698,"endTime":651.0741831734698,"body":"Equal"},{"speaker":"Mark Treichel","startTime":651.2141831734698,"endTime":651.6641831734698,"body":"footing."},{"speaker":"Mark Treichel","startTime":652.2241831734699,"endTime":652.5641831734698,"body":"Chairman"},{"speaker":"Mark Treichel","startTime":652.5741831734698,"endTime":652.8841831734699,"body":"Harper"},{"speaker":"Mark Treichel","startTime":652.8841831734699,"endTime":653.1641831734698,"body":"talked"},{"speaker":"Mark Treichel","startTime":653.1641831734698,"endTime":653.4141831734698,"body":"about"},{"speaker":"Mark Treichel","startTime":653.4141831734698,"endTime":653.9041831734698,"body":"vacancy"},{"speaker":"Mark Treichel","startTime":653.9041831734698,"endTime":654.2041831734698,"body":"rates"},{"speaker":"Mark Treichel","startTime":654.2241831734699,"endTime":654.3741831734699,"body":"that"},{"speaker":"Mark Treichel","startTime":654.3741831734699,"endTime":654.4841831734699,"body":"they"},{"speaker":"Mark Treichel","startTime":654.4841831734699,"endTime":654.6941831734698,"body":"put"},{"speaker":"Mark Treichel","startTime":654.6941831734698,"endTime":654.7641831734699,"body":"a"},{"speaker":"Mark Treichel","startTime":654.7641831734699,"endTime":655.1341831734699,"body":"goal"},{"speaker":"Mark Treichel","startTime":655.1341831734699,"endTime":655.2641831734699,"body":"of"},{"speaker":"Mark Treichel","startTime":655.2641831734699,"endTime":655.7341831734699,"body":"achieving"},{"speaker":"Mark Treichel","startTime":655.7341831734699,"endTime":656.2641831734699,"body":"vacancy"},{"speaker":"Mark Treichel","startTime":656.2641831734699,"endTime":656.5741831734698,"body":"rates"},{"speaker":"Mark Treichel","startTime":656.5941831734698,"endTime":656.7541831734699,"body":"at"},{"speaker":"Mark Treichel","startTime":656.7541831734699,"endTime":656.9041831734698,"body":"N."},{"speaker":"Mark Treichel","startTime":656.9041831734698,"endTime":657.1041831734699,"body":"C."},{"speaker":"Mark Treichel","startTime":657.1041831734699,"endTime":657.2941831734698,"body":"Way"},{"speaker":"Mark Treichel","startTime":657.2941831734698,"endTime":657.3941831734699,"body":"of"},{"speaker":"Mark Treichel","startTime":657.3941831734699,"endTime":658.0641831734698,"body":"5%."},{"speaker":"Mark Treichel","startTime":658.0741831734698,"endTime":658.2341831734699,"body":"He"},{"speaker":"Mark Treichel","startTime":658.2341831734699,"endTime":658.4941831734699,"body":"talked"},{"speaker":"Mark Treichel","startTime":658.4941831734699,"endTime":658.7341831734699,"body":"about"},{"speaker":"Mark Treichel","startTime":658.7341831734699,"endTime":658.9241826734699,"body":"how"},{"speaker":"Mark Treichel","startTime":658.9241826734699,"endTime":659.2141821734698,"body":"they"},{"speaker":"Mark Treichel","startTime":659.7341831734699,"endTime":659.8141831734699,"body":"I"},{"speaker":"Mark Treichel","startTime":659.8141831734699,"endTime":660.0141831734699,"body":"heard"},{"speaker":"Mark Treichel","startTime":660.0141831734699,"endTime":660.1741831734698,"body":"more"},{"speaker":"Mark Treichel","startTime":660.1741831734698,"endTime":660.3041831734699,"body":"than"},{"speaker":"Mark Treichel","startTime":660.3041831734699,"endTime":660.3841831734699,"body":"a"},{"speaker":"Mark Treichel","startTime":660.3841831734699,"endTime":660.8241831734699,"body":"hundred"},{"speaker":"Mark Treichel","startTime":660.9641831734699,"endTime":661.7341831734699,"body":"examiners"},{"speaker":"Mark Treichel","startTime":661.7341831734699,"endTime":662.0841831734699,"body":"last"},{"speaker":"Mark Treichel","startTime":662.0841831734699,"endTime":662.4041831734698,"body":"year"},{"speaker":"Mark Treichel","startTime":662.4241831734698,"endTime":662.5441831734698,"body":"to"},{"speaker":"Mark Treichel","startTime":662.5441831734698,"endTime":662.8041831734699,"body":"try"},{"speaker":"Mark Treichel","startTime":662.8041831734699,"endTime":663.1241831734699,"body":"and"},{"speaker":"Mark Treichel","startTime":663.2741831734699,"endTime":663.5541831734699,"body":"improve"},{"speaker":"Mark Treichel","startTime":663.5641831734699,"endTime":663.7541831734699,"body":"their"},{"speaker":"Mark Treichel","startTime":663.7541831734699,"endTime":664.2141831734699,"body":"staffing"},{"speaker":"Mark Treichel","startTime":664.2141831734699,"endTime":664.5741831734699,"body":"levels."},{"speaker":"Mark Treichel","startTime":664.5741831734699,"endTime":664.7041831734699,"body":"He"},{"speaker":"Mark Treichel","startTime":664.7041831734699,"endTime":664.9841831734699,"body":"talked"},{"speaker":"Mark Treichel","startTime":664.9841831734699,"endTime":665.3741831734699,"body":"about"},{"speaker":"Mark Treichel","startTime":665.3841831734699,"endTime":665.6541831734698,"body":"the"},{"speaker":"Mark Treichel","startTime":665.6541831734698,"endTime":666.1741831734698,"body":"retirement"},{"speaker":"Mark Treichel","startTime":666.1741831734698,"endTime":666.3141831734699,"body":"of"},{"speaker":"Mark Treichel","startTime":666.3141831734699,"endTime":666.3741831734699,"body":"the"},{"speaker":"Mark Treichel","startTime":666.3741831734699,"endTime":666.6941831734699,"body":"baby"},{"speaker":"Mark Treichel","startTime":666.6941831734699,"endTime":667.1241831734699,"body":"boomers,"},{"speaker":"Mark Treichel","startTime":667.1441831734699,"endTime":667.2741831734699,"body":"by"},{"speaker":"Mark Treichel","startTime":667.2741831734699,"endTime":667.3941831734699,"body":"the"},{"speaker":"Mark Treichel","startTime":667.3941831734699,"endTime":667.6641831734698,"body":"way,"},{"speaker":"Mark Treichel","startTime":668.1441831734699,"endTime":668.3641831734699,"body":"when"},{"speaker":"Mark Treichel","startTime":668.3641831734699,"endTime":668.5041826734699,"body":"some"},{"speaker":"Mark Treichel","startTime":668.5041826734699,"endTime":669.1241821734699,"body":"NCUA"},{"speaker":"Mark Treichel","startTime":669.1341831734699,"endTime":669.4141831734698,"body":"baby"},{"speaker":"Mark Treichel","startTime":669.4141831734698,"endTime":669.7641831734699,"body":"boomers"},{"speaker":"Mark Treichel","startTime":669.7641831734699,"endTime":670.3541831734699,"body":"retired"},{"speaker":"Mark Treichel","startTime":670.3741831734699,"endTime":670.5341831734698,"body":"at"},{"speaker":"Mark Treichel","startTime":670.5341831734698,"endTime":670.6541831734698,"body":"the"},{"speaker":"Mark Treichel","startTime":670.6541831734698,"endTime":670.7841831734698,"body":"end"},{"speaker":"Mark Treichel","startTime":670.7841831734698,"endTime":670.8941831734699,"body":"of"},{"speaker":"Mark Treichel","startTime":670.8941831734699,"endTime":671.2641831734699,"body":"last"},{"speaker":"Mark Treichel","startTime":671.2641831734699,"endTime":671.6841831734699,"body":"year"},{"speaker":"Mark Treichel","startTime":671.7441831734699,"endTime":672.0441831734698,"body":"last"},{"speaker":"Mark Treichel","startTime":672.0541821734698,"endTime":672.2141821734698,"body":"couple"},{"speaker":"Mark Treichel","startTime":672.2141821734698,"endTime":672.2841821734698,"body":"of"},{"speaker":"Mark Treichel","startTime":672.2841831734698,"endTime":672.6041831734699,"body":"years,"},{"speaker":"Mark Treichel","startTime":672.6041831734699,"endTime":672.8041831734698,"body":"they've"},{"speaker":"Mark Treichel","startTime":672.8141831734698,"endTime":673.0741831734698,"body":"been"},{"speaker":"Mark Treichel","startTime":673.1841831734698,"endTime":673.5241831734699,"body":"added"},{"speaker":"Mark Treichel","startTime":673.5241831734699,"endTime":673.6141831734699,"body":"to"},{"speaker":"Mark Treichel","startTime":673.6141831734699,"endTime":673.8541831734699,"body":"my"},{"speaker":"Mark Treichel","startTime":673.8541831734699,"endTime":674.1341826734698,"body":"team"},{"speaker":"Mark Treichel","startTime":674.1341826734698,"endTime":674.2641821734699,"body":"at"},{"speaker":"Mark Treichel","startTime":674.2641821734699,"endTime":674.8341821734698,"body":"NCUA"},{"speaker":"Mark Treichel","startTime":674.8741831734699,"endTime":675.0241831734699,"body":"of"},{"speaker":"Mark Treichel","startTime":675.0241831734699,"endTime":675.3741826734698,"body":"subject"},{"speaker":"Mark Treichel","startTime":675.3741826734698,"endTime":675.6441821734699,"body":"matter"},{"speaker":"Mark Treichel","startTime":675.6441831734699,"endTime":676.1441831734699,"body":"experts."},{"speaker":"Mark Treichel","startTime":676.7641831734699,"endTime":676.8941831734699,"body":"I"},{"speaker":"Mark Treichel","startTime":676.8941831734699,"endTime":677.4941831734699,"body":"anticipate"},{"speaker":"Mark Treichel","startTime":677.5241821734699,"endTime":677.9841821734699,"body":"adding"},{"speaker":"Mark Treichel","startTime":678.03418317347,"endTime":678.27418317347,"body":"one"},{"speaker":"Mark Treichel","startTime":678.27418317347,"endTime":678.33418267347,"body":"or"},{"speaker":"Mark Treichel","startTime":678.33418267347,"endTime":678.52418217347,"body":"two"},{"speaker":"Mark Treichel","startTime":678.53418317347,"endTime":678.6741831734699,"body":"of"},{"speaker":"Mark Treichel","startTime":678.6741831734699,"endTime":679.0041831734699,"body":"those"},{"speaker":"Mark Treichel","startTime":679.02418317347,"endTime":679.3241831734699,"body":"here"},{"speaker":"Mark Treichel","startTime":679.3241831734699,"endTime":679.4641831734699,"body":"in"},{"speaker":"Mark Treichel","startTime":679.4641831734699,"endTime":679.5641831734699,"body":"the"},{"speaker":"Mark Treichel","startTime":679.5641831734699,"endTime":679.8541831734699,"body":"first"},{"speaker":"Mark Treichel","startTime":679.8541831734699,"endTime":680.1241831734699,"body":"half"},{"speaker":"Mark Treichel","startTime":680.15418317347,"endTime":680.3641831734699,"body":"of"},{"speaker":"Mark Treichel","startTime":680.36428317347,"endTime":681.7440831734699,"body":"2024."},{"speaker":"Mark Treichel","startTime":681.7441831734699,"endTime":681.9541831734699,"body":"So"},{"speaker":"Mark Treichel","startTime":681.9541831734699,"endTime":682.1941831734699,"body":"stay"},{"speaker":"Mark Treichel","startTime":682.1941831734699,"endTime":682.4841831734699,"body":"tuned"},{"speaker":"Mark Treichel","startTime":682.4841831734699,"endTime":682.63418317347,"body":"on"},{"speaker":"Mark Treichel","startTime":682.63418317347,"endTime":682.8641831734699,"body":"that."},{"speaker":"Mark Treichel","startTime":682.8641831734699,"endTime":682.9541831734699,"body":"You"},{"speaker":"Mark Treichel","startTime":682.9541831734699,"endTime":683.13418317347,"body":"may"},{"speaker":"Mark Treichel","startTime":683.2441831734699,"endTime":683.52418317347,"body":"hear"},{"speaker":"Mark Treichel","startTime":683.52418317347,"endTime":683.7441831734699,"body":"them"},{"speaker":"Mark Treichel","startTime":683.77418317347,"endTime":683.9741831734699,"body":"on"},{"speaker":"Mark Treichel","startTime":683.9841831734699,"endTime":684.1041831734699,"body":"the"},{"speaker":"Mark Treichel","startTime":684.1041831734699,"endTime":684.6841831734699,"body":"podcast."},{"speaker":"Mark Treichel","startTime":685.4591831734698,"endTime":685.7491831734699,"body":"But"},{"speaker":"Mark Treichel","startTime":685.7691831734699,"endTime":685.9591831734698,"body":"it's"},{"speaker":"Mark Treichel","startTime":685.9591831734698,"endTime":686.2091831734698,"body":"great"},{"speaker":"Mark Treichel","startTime":686.2091831734698,"endTime":686.3591831734699,"body":"that"},{"speaker":"Mark Treichel","startTime":686.3591831734699,"endTime":686.7591831734699,"body":"they"},{"speaker":"Mark Treichel","startTime":686.7691831734699,"endTime":687.0491831734698,"body":"start"},{"speaker":"Mark Treichel","startTime":687.0491831734698,"endTime":687.4591831734698,"body":"measuring"},{"speaker":"Mark Treichel","startTime":687.4591831734698,"endTime":687.8191831734698,"body":"that"},{"speaker":"Mark Treichel","startTime":687.8691831734699,"endTime":688.03918317347,"body":"I"},{"speaker":"Mark Treichel","startTime":688.03918317347,"endTime":688.2391831734699,"body":"will"},{"speaker":"Mark Treichel","startTime":688.2391831734699,"endTime":688.41918317347,"body":"tell"},{"speaker":"Mark Treichel","startTime":688.41918317347,"endTime":688.66918317347,"body":"you"},{"speaker":"Mark Treichel","startTime":688.66918317347,"endTime":689.03918317347,"body":"that"},{"speaker":"Mark Treichel","startTime":689.4291831734698,"endTime":689.6491831734699,"body":"when"},{"speaker":"Mark Treichel","startTime":689.6491831734699,"endTime":689.7291831734699,"body":"I"},{"speaker":"Mark Treichel","startTime":689.7291831734699,"endTime":689.9191831734698,"body":"was"},{"speaker":"Mark Treichel","startTime":689.9191831734698,"endTime":690.0291831734698,"body":"at"},{"speaker":"Mark Treichel","startTime":690.0291831734698,"endTime":690.1791831734698,"body":"N."},{"speaker":"Mark Treichel","startTime":690.1791831734698,"endTime":690.3491831734699,"body":"C."},{"speaker":"Mark Treichel","startTime":690.3491831734699,"endTime":690.5191831734699,"body":"U."},{"speaker":"Mark Treichel","startTime":690.5191831734699,"endTime":690.7991831734698,"body":"A."},{"speaker":"Mark Treichel","startTime":691.62918317347,"endTime":691.9491831734699,"body":"Chairman"},{"speaker":"Mark Treichel","startTime":691.9491831734699,"endTime":692.11918317347,"body":"W."},{"speaker":"Mark Treichel","startTime":692.11918317347,"endTime":692.4291831734699,"body":"Matt's"},{"speaker":"Mark Treichel","startTime":693.3191831734698,"endTime":693.7191831734699,"body":"watched"},{"speaker":"Mark Treichel","startTime":693.7191831734699,"endTime":693.9191831734698,"body":"that"},{"speaker":"Mark Treichel","startTime":693.9191831734698,"endTime":694.3291826734699,"body":"closely."},{"speaker":"Mark Treichel","startTime":694.3291826734699,"endTime":694.4591821734698,"body":"But"},{"speaker":"Mark Treichel","startTime":694.4591821734698,"endTime":694.6291821734699,"body":"what"},{"speaker":"Mark Treichel","startTime":694.6291831734699,"endTime":694.6691831734698,"body":"I'm"},{"speaker":"Mark Treichel","startTime":694.6791831734698,"endTime":695.0491831734698,"body":"also"},{"speaker":"Mark Treichel","startTime":695.0491831734698,"endTime":695.5291831734698,"body":"seeing"},{"speaker":"Mark Treichel","startTime":695.5891831734699,"endTime":695.7391831734699,"body":"pivoting"},{"speaker":"Mark Treichel","startTime":696.1391831734699,"endTime":696.2191831734699,"body":"to"},{"speaker":"Mark Treichel","startTime":696.2191831734699,"endTime":696.5191831734699,"body":"credit"},{"speaker":"Mark Treichel","startTime":696.5191831734699,"endTime":696.8291831734698,"body":"unions,"},{"speaker":"Mark Treichel","startTime":696.8491831734699,"endTime":697.0091831734699,"body":"I'm"},{"speaker":"Mark Treichel","startTime":697.0091831734699,"endTime":697.2291831734699,"body":"seeing"},{"speaker":"Mark Treichel","startTime":697.2291831734699,"endTime":697.5191831734699,"body":"credit"},{"speaker":"Mark Treichel","startTime":697.5191831734699,"endTime":697.9591831734698,"body":"unions"},{"speaker":"Mark Treichel","startTime":699.28918317347,"endTime":699.51918317347,"body":"being"},{"speaker":"Mark Treichel","startTime":699.51918317347,"endTime":700.1091831734699,"body":"criticized"},{"speaker":"Mark Treichel","startTime":700.1291821734699,"endTime":700.2591821734699,"body":"for"},{"speaker":"Mark Treichel","startTime":700.2591821734699,"endTime":700.51918217347,"body":"having"},{"speaker":"Mark Treichel","startTime":700.51918317347,"endTime":701.2091831734699,"body":"vacancies"},{"speaker":"Mark Treichel","startTime":701.4891831734699,"endTime":701.6791831734699,"body":"at"},{"speaker":"Mark Treichel","startTime":701.6791831734699,"endTime":701.8491831734699,"body":"their"},{"speaker":"Mark Treichel","startTime":701.8491831734699,"endTime":702.16918317347,"body":"credit"},{"speaker":"Mark Treichel","startTime":702.16918317347,"endTime":702.52918317347,"body":"union,"},{"speaker":"Mark Treichel","startTime":702.6091821734699,"endTime":702.8791821734699,"body":"and"},{"speaker":"Mark Treichel","startTime":702.8791821734699,"endTime":703.02918217347,"body":"I've"},{"speaker":"Mark Treichel","startTime":703.03918217347,"endTime":703.40918217347,"body":"never"},{"speaker":"Mark Treichel","startTime":703.40918317347,"endTime":703.6391826734699,"body":"seen"},{"speaker":"Mark Treichel","startTime":703.6391826734699,"endTime":703.8291821734699,"body":"that"},{"speaker":"Mark Treichel","startTime":703.8591831734699,"endTime":704.2491831734699,"body":"addressed."},{"speaker":"Mark Treichel","startTime":705.2291831734699,"endTime":705.3691831734699,"body":"In"},{"speaker":"Mark Treichel","startTime":705.3691831734699,"endTime":705.4691831734699,"body":"an"},{"speaker":"Mark Treichel","startTime":705.4691831734699,"endTime":705.8091831734699,"body":"exam"},{"speaker":"Mark Treichel","startTime":705.8091831734699,"endTime":706.1191831734699,"body":"report"},{"speaker":"Mark Treichel","startTime":706.1191831734699,"endTime":706.2591831734699,"body":"when"},{"speaker":"Mark Treichel","startTime":706.2591831734699,"endTime":706.3191831734699,"body":"I"},{"speaker":"Mark Treichel","startTime":706.3191831734699,"endTime":706.4891831734699,"body":"was"},{"speaker":"Mark Treichel","startTime":706.4891831734699,"endTime":706.6391831734699,"body":"at"},{"speaker":"Mark Treichel","startTime":706.6391831734699,"endTime":707.1391831734699,"body":"NCUA,"},{"speaker":"Mark Treichel","startTime":707.5291831734698,"endTime":707.7391831734699,"body":"and"},{"speaker":"Mark Treichel","startTime":707.7391831734699,"endTime":707.9791831734699,"body":"I've"},{"speaker":"Mark Treichel","startTime":708.0291831734698,"endTime":708.2291831734699,"body":"heard"},{"speaker":"Mark Treichel","startTime":708.2291831734699,"endTime":708.4891831734699,"body":"about"},{"speaker":"Mark Treichel","startTime":708.4891831734699,"endTime":708.5791831734699,"body":"it"},{"speaker":"Mark Treichel","startTime":708.6091831734699,"endTime":708.7091831734699,"body":"a"},{"speaker":"Mark Treichel","startTime":708.7091831734699,"endTime":709.0591831734699,"body":"handful"},{"speaker":"Mark Treichel","startTime":709.0591831734699,"endTime":709.1491831734699,"body":"of"},{"speaker":"Mark Treichel","startTime":709.1491831734699,"endTime":709.5591831734699,"body":"times"},{"speaker":"Mark Treichel","startTime":709.5991831734699,"endTime":709.8091831734699,"body":"over"},{"speaker":"Mark Treichel","startTime":709.8091831734699,"endTime":709.8791831734699,"body":"the"},{"speaker":"Mark Treichel","startTime":709.8791831734699,"endTime":710.1891831734699,"body":"last"},{"speaker":"Mark Treichel","startTime":710.1891831734699,"endTime":710.3591831734699,"body":"year,"},{"speaker":"Mark Treichel","startTime":710.3591831734699,"endTime":710.5091831734699,"body":"which"},{"speaker":"Mark Treichel","startTime":710.5291831734698,"endTime":710.6791831734698,"body":"means"},{"speaker":"Mark Treichel","startTime":710.6791831734698,"endTime":711.0291831734698,"body":"NCUA"},{"speaker":"Mark Treichel","startTime":711.0291831734698,"endTime":711.1291831734699,"body":"is"},{"speaker":"Mark Treichel","startTime":711.1291831734699,"endTime":711.4791831734699,"body":"talking"},{"speaker":"Mark Treichel","startTime":711.4891831734699,"endTime":711.6991831734699,"body":"about"},{"speaker":"Mark Treichel","startTime":711.6991831734699,"endTime":711.8091831734699,"body":"it"},{"speaker":"Mark Treichel","startTime":711.8091831734699,"endTime":712.3791831734699,"body":"internally,"},{"speaker":"Mark Treichel","startTime":712.7991831734698,"endTime":713.2991826734699,"body":"and"},{"speaker":"Mark Treichel","startTime":713.3491826734698,"endTime":713.5091826734698,"body":"they're"},{"speaker":"Mark Treichel","startTime":713.5191826734698,"endTime":713.6991826734697,"body":"being"},{"speaker":"Mark Treichel","startTime":713.6991826734697,"endTime":714.0891821734698,"body":"critical"},{"speaker":"Mark Treichel","startTime":714.0891821734698,"endTime":714.1791816734698,"body":"of"},{"speaker":"Mark Treichel","startTime":714.1791826734698,"endTime":714.4591826734697,"body":"credit"},{"speaker":"Mark Treichel","startTime":714.4591826734697,"endTime":714.8791821734698,"body":"unions"},{"speaker":"Mark Treichel","startTime":714.8791821734698,"endTime":715.1191816734698,"body":"while"},{"speaker":"Mark Treichel","startTime":715.1191826734698,"endTime":715.1891826734698,"body":"at"},{"speaker":"Mark Treichel","startTime":715.1891826734698,"endTime":715.3091826734698,"body":"the"},{"speaker":"Mark Treichel","startTime":715.3091826734698,"endTime":715.5591826734698,"body":"same"},{"speaker":"Mark Treichel","startTime":715.9591826734697,"endTime":716.2791826734698,"body":"time"},{"speaker":"Mark Treichel","startTime":716.2791826734698,"endTime":716.4291826734698,"body":"they're"},{"speaker":"Mark Treichel","startTime":716.4291826734698,"endTime":716.8091826734698,"body":"having"},{"speaker":"Mark Treichel","startTime":717.2091816734697,"endTime":717.8591816734698,"body":"challenges"},{"speaker":"Mark Treichel","startTime":718.3991816734697,"endTime":719.0691816734696,"body":"with"},{"speaker":"Mark Treichel","startTime":719.4691826734696,"endTime":719.7291826734696,"body":"with"},{"speaker":"Mark Treichel","startTime":719.7291836734696,"endTime":720.0691836734696,"body":"hiring"},{"speaker":"Mark Treichel","startTime":720.0691836734696,"endTime":720.1891831734696,"body":"at"},{"speaker":"Mark Treichel","startTime":720.1891831734696,"endTime":720.9991826734696,"body":"NCUA,"},{"speaker":"Mark Treichel","startTime":721.0291836734697,"endTime":721.4791836734696,"body":"and,"},{"speaker":"Mark Treichel","startTime":722.2291836734697,"endTime":722.4991836734697,"body":"of"},{"speaker":"Mark Treichel","startTime":722.4991836734697,"endTime":722.6091836734697,"body":"the"},{"speaker":"Mark Treichel","startTime":722.6091836734697,"endTime":723.0591836734696,"body":"handful"},{"speaker":"Mark Treichel","startTime":723.0591836734696,"endTime":723.1491836734697,"body":"of"},{"speaker":"Mark Treichel","startTime":723.1591836734697,"endTime":723.4891836734697,"body":"times"},{"speaker":"Mark Treichel","startTime":723.4891836734697,"endTime":723.5891836734697,"body":"that"},{"speaker":"Mark Treichel","startTime":723.5891836734697,"endTime":723.6691836734697,"body":"I"},{"speaker":"Mark Treichel","startTime":723.6691836734697,"endTime":723.9191836734697,"body":"saw"},{"speaker":"Mark Treichel","startTime":723.9191836734697,"endTime":723.9991836734697,"body":"it"},{"speaker":"Mark Treichel","startTime":724.0191836734697,"endTime":724.3791836734697,"body":"mentioned"},{"speaker":"Mark Treichel","startTime":724.3791836734697,"endTime":724.4991836734697,"body":"in"},{"speaker":"Mark Treichel","startTime":724.4991836734697,"endTime":724.8091836734696,"body":"credit"},{"speaker":"Mark Treichel","startTime":724.8091836734696,"endTime":725.1591836734697,"body":"unions,"},{"speaker":"Mark Treichel","startTime":725.1591836734697,"endTime":725.3991836734697,"body":"only"},{"speaker":"Mark Treichel","startTime":725.3991836734697,"endTime":725.6191836734697,"body":"one"},{"speaker":"Mark Treichel","startTime":725.6191836734697,"endTime":725.6991836734697,"body":"of"},{"speaker":"Mark Treichel","startTime":725.6991836734697,"endTime":725.9091836734697,"body":"them"},{"speaker":"Mark Treichel","startTime":725.9091836734697,"endTime":726.1791836734697,"body":"really"},{"speaker":"Mark Treichel","startTime":726.1791836734697,"endTime":726.4291836734697,"body":"seemed"},{"speaker":"Mark Treichel","startTime":726.4391836734696,"endTime":726.5291836734697,"body":"to"},{"speaker":"Mark Treichel","startTime":726.5291836734697,"endTime":726.8191836734696,"body":"be"},{"speaker":"Mark Treichel","startTime":726.9091836734697,"endTime":727.0691836734698,"body":"a"},{"speaker":"Mark Treichel","startTime":727.1791836734697,"endTime":727.8191836734698,"body":"reasonable"},{"speaker":"Mark Treichel","startTime":727.8391836734697,"endTime":728.1791836734697,"body":"issue"},{"speaker":"Mark Treichel","startTime":728.1791836734697,"endTime":728.3691836734697,"body":"that"},{"speaker":"Mark Treichel","startTime":728.3691836734697,"endTime":728.4891836734697,"body":"NCUA"},{"speaker":"Mark Treichel","startTime":728.8091826734696,"endTime":728.9891826734697,"body":"was"},{"speaker":"Mark Treichel","startTime":728.9891836734697,"endTime":729.3191836734696,"body":"bringing"},{"speaker":"Mark Treichel","startTime":729.3291836734697,"endTime":729.5191831734697,"body":"up,"},{"speaker":"Mark Treichel","startTime":729.5191831734697,"endTime":729.8091826734696,"body":"so"},{"speaker":"Mark Treichel","startTime":729.8491826734697,"endTime":729.9791826734697,"body":"I"},{"speaker":"Mark Treichel","startTime":729.9791826734697,"endTime":730.2291826734697,"body":"find"},{"speaker":"Mark Treichel","startTime":730.2291826734697,"endTime":730.3491826734697,"body":"that"},{"speaker":"Mark Treichel","startTime":730.3591836734697,"endTime":730.4091836734697,"body":"a"},{"speaker":"Mark Treichel","startTime":730.4091836734697,"endTime":730.6891836734698,"body":"little"},{"speaker":"Mark Treichel","startTime":730.6991836734697,"endTime":730.9791836734697,"body":"bit"},{"speaker":"Mark Treichel","startTime":731.0391836734697,"endTime":731.6291836734697,"body":"ironic."},{"speaker":"Mark Treichel","startTime":732.1541836734698,"endTime":732.4341836734699,"body":"Let's"},{"speaker":"Mark Treichel","startTime":732.4341836734699,"endTime":732.7041836734699,"body":"see."},{"speaker":"Mark Treichel","startTime":732.7041836734699,"endTime":732.8541836734698,"body":"What"},{"speaker":"Mark Treichel","startTime":732.8541836734698,"endTime":733.0841836734699,"body":"else"},{"speaker":"Mark Treichel","startTime":733.0841836734699,"endTime":733.1841836734699,"body":"do"},{"speaker":"Mark Treichel","startTime":733.1841836734699,"endTime":733.3841836734698,"body":"we"},{"speaker":"Mark Treichel","startTime":733.3841836734698,"endTime":733.6741836734698,"body":"have"},{"speaker":"Mark Treichel","startTime":733.6741836734698,"endTime":733.8341836734699,"body":"here?"},{"speaker":"Mark Treichel","startTime":733.8341836734699,"endTime":733.9641836734698,"body":"We"},{"speaker":"Mark Treichel","startTime":733.9641836734698,"endTime":734.2041836734699,"body":"talked"},{"speaker":"Mark Treichel","startTime":734.2041836734699,"endTime":734.4241836734698,"body":"about"},{"speaker":"Mark Treichel","startTime":734.4241836734698,"endTime":735.0041836734698,"body":"vacancy"},{"speaker":"Mark Treichel","startTime":735.0041836734698,"endTime":735.2641836734698,"body":"rates."},{"speaker":"Mark Treichel","startTime":735.2641836734698,"endTime":735.3941836734698,"body":"We"},{"speaker":"Mark Treichel","startTime":735.5341836734698,"endTime":736.2041836734699,"body":"simplified"},{"speaker":"Mark Treichel","startTime":736.2041836734699,"endTime":736.6941836734699,"body":"plan."},{"speaker":"Mark Treichel","startTime":736.7941836734698,"endTime":737.1941836734699,"body":"Chairman"},{"speaker":"Mark Treichel","startTime":737.2041836734699,"endTime":737.6741836734699,"body":"Harper."},{"speaker":"Mark Treichel","startTime":738.9541836734699,"endTime":739.3341836734699,"body":"I"},{"speaker":"Mark Treichel","startTime":739.46418367347,"endTime":739.7741836734699,"body":"think"},{"speaker":"Mark Treichel","startTime":739.7741836734699,"endTime":739.9541836734699,"body":"this"},{"speaker":"Mark Treichel","startTime":739.96418367347,"endTime":740.09418367347,"body":"is"},{"speaker":"Mark Treichel","startTime":740.09418367347,"endTime":740.34418367347,"body":"good"},{"speaker":"Mark Treichel","startTime":740.34418367347,"endTime":740.47418367347,"body":"that"},{"speaker":"Mark Treichel","startTime":740.47418367347,"endTime":740.6141836734699,"body":"they're"},{"speaker":"Mark Treichel","startTime":740.6141836734699,"endTime":741.1941836734699,"body":"simplifying"},{"speaker":"Mark Treichel","startTime":741.2041836734699,"endTime":741.2841836734699,"body":"the"},{"speaker":"Mark Treichel","startTime":741.2841836734699,"endTime":741.6541836734699,"body":"plan."},{"speaker":"Mark Treichel","startTime":741.6541836734699,"endTime":741.9041836734699,"body":"Vice"},{"speaker":"Mark Treichel","startTime":741.9041836734699,"endTime":742.2741836734699,"body":"chairman"},{"speaker":"Mark Treichel","startTime":742.2741836734699,"endTime":742.6841836734699,"body":"Huffman"},{"speaker":"Mark Treichel","startTime":742.6941836734699,"endTime":743.0041836734699,"body":"talked"},{"speaker":"Mark Treichel","startTime":743.0041836734699,"endTime":743.4141836734699,"body":"about"},{"speaker":"Mark Treichel","startTime":743.5741836734699,"endTime":743.7441836734699,"body":"if"},{"speaker":"Mark Treichel","startTime":743.7441836734699,"endTime":744.0841836734699,"body":"everything's"},{"speaker":"Mark Treichel","startTime":744.0841836734699,"endTime":744.1341836734699,"body":"a"},{"speaker":"Mark Treichel","startTime":744.1341836734699,"endTime":744.59418367347,"body":"priority,"},{"speaker":"Mark Treichel","startTime":744.59418367347,"endTime":744.9141836734699,"body":"nothing's"},{"speaker":"Mark Treichel","startTime":744.9141836734699,"endTime":744.97418367347,"body":"a"},{"speaker":"Mark Treichel","startTime":744.97418367347,"endTime":745.60418367347,"body":"priority,"},{"speaker":"Mark Treichel","startTime":745.97418367347,"endTime":746.4641836734698,"body":"which"},{"speaker":"Mark Treichel","startTime":746.72418367347,"endTime":746.8341831734699,"body":"is"},{"speaker":"Mark Treichel","startTime":746.8341831734699,"endTime":747.1641826734699,"body":"something"},{"speaker":"Mark Treichel","startTime":747.1641836734699,"endTime":747.2741836734699,"body":"I"},{"speaker":"Mark Treichel","startTime":747.2841836734699,"endTime":747.5241836734699,"body":"say"},{"speaker":"Mark Treichel","startTime":747.5241836734699,"endTime":747.6941836734699,"body":"here"},{"speaker":"Mark Treichel","startTime":747.6941836734699,"endTime":747.7541831734699,"body":"a"},{"speaker":"Mark Treichel","startTime":747.7541831734699,"endTime":748.0441826734699,"body":"lot"},{"speaker":"Mark Treichel","startTime":748.0441826734699,"endTime":748.1541826734699,"body":"on"},{"speaker":"Mark Treichel","startTime":748.1541836734699,"endTime":748.2641836734699,"body":"the"},{"speaker":"Mark Treichel","startTime":748.2641836734699,"endTime":748.8141836734699,"body":"podcast."},{"speaker":"Mark Treichel","startTime":748.84418367347,"endTime":749.1841836734699,"body":"Maybe"},{"speaker":"Mark Treichel","startTime":749.1841836734699,"endTime":749.3641836734699,"body":"he's"},{"speaker":"Mark Treichel","startTime":749.3641836734699,"endTime":749.8341836734699,"body":"listening."},{"speaker":"Mark Treichel","startTime":749.8841836734699,"endTime":750.1941836734699,"body":"Maybe"},{"speaker":"Mark Treichel","startTime":750.1941836734699,"endTime":750.3341831734699,"body":"he"},{"speaker":"Mark Treichel","startTime":750.3341831734699,"endTime":750.6641826734699,"body":"believes"},{"speaker":"Mark Treichel","startTime":750.6641826734699,"endTime":750.7641826734699,"body":"the"},{"speaker":"Mark Treichel","startTime":750.8041836734699,"endTime":751.1041836734698,"body":"same"},{"speaker":"Mark Treichel","startTime":751.1041846734698,"endTime":751.2841846734699,"body":"thing"},{"speaker":"Mark Treichel","startTime":751.2841846734699,"endTime":751.4241841734698,"body":"as"},{"speaker":"Mark Treichel","startTime":751.4241841734698,"endTime":751.5341836734699,"body":"I"},{"speaker":"Mark Treichel","startTime":751.5341846734699,"endTime":751.7141841734699,"body":"do,"},{"speaker":"Mark Treichel","startTime":751.7141841734699,"endTime":751.8741836734698,"body":"but"},{"speaker":"Mark Treichel","startTime":751.8741846734698,"endTime":751.9641841734699,"body":"in"},{"speaker":"Mark Treichel","startTime":751.9641841734699,"endTime":752.1541836734699,"body":"any"},{"speaker":"Mark Treichel","startTime":752.1541846734699,"endTime":752.4941846734698,"body":"event,"},{"speaker":"Mark Treichel","startTime":752.7641836734698,"endTime":752.9141836734699,"body":"I'm"},{"speaker":"Mark Treichel","startTime":752.9141836734699,"endTime":753.1441836734699,"body":"glad"},{"speaker":"Mark Treichel","startTime":753.1441856734699,"endTime":753.2141851734699,"body":"to"},{"speaker":"Mark Treichel","startTime":753.2141851734699,"endTime":753.3541846734698,"body":"hear"},{"speaker":"Mark Treichel","startTime":753.3541846734698,"endTime":753.5541846734699,"body":"him"},{"speaker":"Mark Treichel","startTime":753.5541846734699,"endTime":753.7741846734699,"body":"say"},{"speaker":"Mark Treichel","startTime":753.7741846734699,"endTime":754.0141846734698,"body":"that"},{"speaker":"Mark Treichel","startTime":754.0241846734699,"endTime":754.2741846734699,"body":"because"},{"speaker":"Mark Treichel","startTime":754.5541846734699,"endTime":754.7541841734699,"body":"if"},{"speaker":"Mark Treichel","startTime":754.7541841734699,"endTime":755.2041836734699,"body":"everything"},{"speaker":"Mark Treichel","startTime":755.2341846734698,"endTime":755.4341846734699,"body":"is"},{"speaker":"Mark Treichel","startTime":755.4341846734699,"endTime":755.4741846734698,"body":"a"},{"speaker":"Mark Treichel","startTime":755.4841836734698,"endTime":755.9841836734698,"body":"priority,"},{"speaker":"Mark Treichel","startTime":755.9941846734698,"endTime":756.4941846734698,"body":"indeed,"},{"speaker":"Mark Treichel","startTime":756.7141846734698,"endTime":757.0941846734698,"body":"nothing"},{"speaker":"Mark Treichel","startTime":757.3141846734699,"endTime":757.5241846734699,"body":"is"},{"speaker":"Mark Treichel","startTime":757.5241846734699,"endTime":757.6141846734698,"body":"a"},{"speaker":"Mark Treichel","startTime":757.6241846734698,"endTime":758.1041846734698,"body":"priority"},{"speaker":"Mark Treichel","startTime":758.1141846734698,"endTime":758.3541846734698,"body":"talked"},{"speaker":"Mark Treichel","startTime":758.3541846734698,"endTime":758.5741846734699,"body":"about"},{"speaker":"Mark Treichel","startTime":758.5741846734699,"endTime":758.8141846734699,"body":"equal"},{"speaker":"Mark Treichel","startTime":758.8141846734699,"endTime":759.2141846734698,"body":"footing."},{"speaker":"Mark Treichel","startTime":759.7291846734697,"endTime":759.9991846734697,"body":"Talked"},{"speaker":"Mark Treichel","startTime":759.9991846734697,"endTime":760.2891846734698,"body":"about"},{"speaker":"Mark Treichel","startTime":760.2891846734698,"endTime":760.4291846734698,"body":"the"},{"speaker":"Mark Treichel","startTime":760.4291846734698,"endTime":760.7391846734697,"body":"exam"},{"speaker":"Mark Treichel","startTime":760.7391846734697,"endTime":761.1691846734698,"body":"reports"},{"speaker":"Mark Treichel","startTime":761.2091846734697,"endTime":761.8891846734697,"body":"timeliness."},{"speaker":"Mark Treichel","startTime":761.9191846734698,"endTime":762.0891846734697,"body":"They"},{"speaker":"Mark Treichel","startTime":762.0891846734697,"endTime":762.2991846734698,"body":"want"},{"speaker":"Mark Treichel","startTime":762.2991846734698,"endTime":762.4591846734697,"body":"to,"},{"speaker":"Mark Treichel","startTime":762.6391846734697,"endTime":762.7691846734697,"body":"by"},{"speaker":"Mark Treichel","startTime":762.7691846734697,"endTime":762.8891846734697,"body":"the"},{"speaker":"Mark Treichel","startTime":762.8891846734697,"endTime":763.0291846734697,"body":"way,"},{"speaker":"Mark Treichel","startTime":763.0291846734697,"endTime":763.1491846734697,"body":"they"},{"speaker":"Mark Treichel","startTime":763.1491846734697,"endTime":763.3191846734697,"body":"want"},{"speaker":"Mark Treichel","startTime":763.3191846734697,"endTime":763.3591846734697,"body":"to"},{"speaker":"Mark Treichel","startTime":763.3691846734697,"endTime":763.5691846734697,"body":"have"},{"speaker":"Mark Treichel","startTime":763.5691846734697,"endTime":763.8191846734697,"body":"90"},{"speaker":"Mark Treichel","startTime":763.8191846734697,"endTime":764.2691846734697,"body":"percent"},{"speaker":"Mark Treichel","startTime":764.2991846734698,"endTime":764.4491846734697,"body":"of"},{"speaker":"Mark Treichel","startTime":764.4491846734697,"endTime":764.6191846734697,"body":"them"},{"speaker":"Mark Treichel","startTime":764.6191846734697,"endTime":765.1391846734697,"body":"timely."},{"speaker":"Mark Treichel","startTime":765.1691846734698,"endTime":765.6191846734697,"body":"And"},{"speaker":"Mark Treichel","startTime":765.6591846734698,"endTime":766.0191846734697,"body":"from"},{"speaker":"Mark Treichel","startTime":766.0291846734697,"endTime":766.3191846734697,"body":"this,"},{"speaker":"Mark Treichel","startTime":766.4491846734697,"endTime":766.6791846734698,"body":"from"},{"speaker":"Mark Treichel","startTime":766.6791846734698,"endTime":766.8591846734697,"body":"what"},{"speaker":"Mark Treichel","startTime":766.8591846734697,"endTime":767.1491846734697,"body":"I've"},{"speaker":"Mark Treichel","startTime":767.1491846734697,"endTime":767.5491846734698,"body":"seen,"},{"speaker":"Mark Treichel","startTime":767.5491846734698,"endTime":767.7591846734697,"body":"it's"},{"speaker":"Mark Treichel","startTime":767.7891846734698,"endTime":768.4791846734697,"body":"definitely"},{"speaker":"Mark Treichel","startTime":768.9591846734697,"endTime":769.2991846734698,"body":"not"},{"speaker":"Mark Treichel","startTime":769.3091846734698,"endTime":769.5691846734697,"body":"near"},{"speaker":"Mark Treichel","startTime":769.5691846734697,"endTime":769.8591846734697,"body":"that."},{"speaker":"Mark Treichel","startTime":770.1691846734698,"endTime":770.6091846734698,"body":"And"},{"speaker":"Mark Treichel","startTime":770.6491846734698,"endTime":770.8191846734699,"body":"the,"},{"speaker":"Mark Treichel","startTime":770.8391846734698,"endTime":770.9891841734699,"body":"so"},{"speaker":"Mark Treichel","startTime":770.9891841734699,"endTime":771.0891836734698,"body":"the"},{"speaker":"Mark Treichel","startTime":771.0891846734698,"endTime":771.4891841734699,"body":"priority"},{"speaker":"Mark Treichel","startTime":771.4891841734699,"endTime":771.7091836734699,"body":"letter"},{"speaker":"Mark Treichel","startTime":771.7091846734698,"endTime":771.8591846734698,"body":"should"},{"speaker":"Mark Treichel","startTime":771.8691836734698,"endTime":771.9891836734698,"body":"be"},{"speaker":"Mark Treichel","startTime":771.9891836734698,"endTime":772.3091836734699,"body":"coming"},{"speaker":"Mark Treichel","startTime":772.3091846734699,"endTime":772.5791846734699,"body":"out"},{"speaker":"Mark Treichel","startTime":773.58918467347,"endTime":774.0991841734699,"body":"probably"},{"speaker":"Mark Treichel","startTime":774.0991841734699,"endTime":774.32918367347,"body":"this"},{"speaker":"Mark Treichel","startTime":774.32918467347,"endTime":774.59918467347,"body":"week."},{"speaker":"Mark Treichel","startTime":774.6291846734699,"endTime":774.82918467347,"body":"That"},{"speaker":"Mark Treichel","startTime":774.82918467347,"endTime":774.9191846734699,"body":"will"},{"speaker":"Mark Treichel","startTime":774.9191846734699,"endTime":775.2491846734699,"body":"become"},{"speaker":"Mark Treichel","startTime":775.2491846734699,"endTime":775.3191841734699,"body":"a"},{"speaker":"Mark Treichel","startTime":775.3191841734699,"endTime":775.7491836734699,"body":"focus"},{"speaker":"Mark Treichel","startTime":775.7491846734699,"endTime":775.88918417347,"body":"of"},{"speaker":"Mark Treichel","startTime":775.88918417347,"endTime":776.07918367347,"body":"what"},{"speaker":"Mark Treichel","startTime":776.08918467347,"endTime":776.4191846734699,"body":"Chairman"},{"speaker":"Mark Treichel","startTime":776.4191846734699,"endTime":776.7291841734699,"body":"Harper"},{"speaker":"Mark Treichel","startTime":776.7291841734699,"endTime":777.0591836734699,"body":"talks"},{"speaker":"Mark Treichel","startTime":777.0591836734699,"endTime":777.3891836734699,"body":"about"},{"speaker":"Mark Treichel","startTime":777.3991836734699,"endTime":777.6191836734699,"body":"at"},{"speaker":"Mark Treichel","startTime":777.6391836734699,"endTime":778.1091836734699,"body":"America's"},{"speaker":"Mark Treichel","startTime":778.1091846734699,"endTime":778.39918417347,"body":"Credit"},{"speaker":"Mark Treichel","startTime":778.39918417347,"endTime":778.71918367347,"body":"Union"},{"speaker":"Mark Treichel","startTime":778.71918467347,"endTime":779.09918467347,"body":"slash"},{"speaker":"Mark Treichel","startTime":779.1391846734699,"endTime":779.5491846734699,"body":"CUNA"},{"speaker":"Mark Treichel","startTime":779.9291846734699,"endTime":780.22918467347,"body":"slash"},{"speaker":"Mark Treichel","startTime":780.22918467347,"endTime":781.0691846734699,"body":"GAC."},{"speaker":"Mark Treichel","startTime":781.43918467347,"endTime":781.59918467347,"body":"He"},{"speaker":"Mark Treichel","startTime":781.59918467347,"endTime":782.03918467347,"body":"typically"},{"speaker":"Mark Treichel","startTime":782.03918467347,"endTime":782.37918467347,"body":"builds"},{"speaker":"Mark Treichel","startTime":782.37918467347,"endTime":782.7391846734699,"body":"his"},{"speaker":"Mark Treichel","startTime":782.76918467347,"endTime":783.14918467347,"body":"speech"},{"speaker":"Mark Treichel","startTime":783.14918467347,"endTime":783.29918467347,"body":"off"},{"speaker":"Mark Treichel","startTime":783.29918467347,"endTime":783.4791846734701,"body":"that"},{"speaker":"Mark Treichel","startTime":783.4791846734701,"endTime":783.8491846734701,"body":"priority"},{"speaker":"Mark Treichel","startTime":783.8491846734701,"endTime":784.2091846734701,"body":"letter."},{"speaker":"Mark Treichel","startTime":785.66918467347,"endTime":786.07918467347,"body":"Consumer"},{"speaker":"Mark Treichel","startTime":786.07918467347,"endTime":786.6391846734699,"body":"compliance"},{"speaker":"Mark Treichel","startTime":786.66918467347,"endTime":787.06918467347,"body":"buckle"},{"speaker":"Mark Treichel","startTime":787.06918467347,"endTime":787.2591846734699,"body":"up."},{"speaker":"Mark Treichel","startTime":787.57918467347,"endTime":787.78918467347,"body":"They're"},{"speaker":"Mark Treichel","startTime":787.79918467347,"endTime":787.92918467347,"body":"going"},{"speaker":"Mark Treichel","startTime":787.92918467347,"endTime":788.02918467347,"body":"to"},{"speaker":"Mark Treichel","startTime":788.03918467347,"endTime":788.2491846734699,"body":"have"},{"speaker":"Mark Treichel","startTime":788.2491846734699,"endTime":788.3591846734699,"body":"an"},{"speaker":"Mark Treichel","startTime":788.3591846734699,"endTime":788.89918467347,"body":"expanded"},{"speaker":"Mark Treichel","startTime":788.9891846734699,"endTime":789.3791846734699,"body":"footprint."},{"speaker":"Mark Treichel","startTime":789.39918467347,"endTime":789.7391846734699,"body":"They're"},{"speaker":"Mark Treichel","startTime":790.16918467347,"endTime":790.55918467347,"body":"also"},{"speaker":"Mark Treichel","startTime":790.55918467347,"endTime":791.0091846734699,"body":"unfair"},{"speaker":"Mark Treichel","startTime":791.0091846734699,"endTime":791.52918467347,"body":"lending,"},{"speaker":"Mark Treichel","startTime":791.53918467347,"endTime":792.14918467347,"body":"and"},{"speaker":"Mark Treichel","startTime":792.76918467347,"endTime":792.96918417347,"body":"it's"},{"speaker":"Mark Treichel","startTime":792.96918417347,"endTime":793.26918367347,"body":"clear"},{"speaker":"Mark Treichel","startTime":793.26918467347,"endTime":793.60918467347,"body":"that"},{"speaker":"Mark Treichel","startTime":794.23918467347,"endTime":794.49918467347,"body":"board"},{"speaker":"Mark Treichel","startTime":794.49918467347,"endTime":794.74918467347,"body":"member"},{"speaker":"Mark Treichel","startTime":794.74928467347,"endTime":795.86908467347,"body":"Otsuka"},{"speaker":"Mark Treichel","startTime":795.86918467347,"endTime":796.11918467347,"body":"is"},{"speaker":"Mark Treichel","startTime":796.11918467347,"endTime":796.34918417347,"body":"big"},{"speaker":"Mark Treichel","startTime":796.34918417347,"endTime":796.4791836734701,"body":"on"},{"speaker":"Mark Treichel","startTime":796.4791846734701,"endTime":796.92918417347,"body":"consumer"},{"speaker":"Mark Treichel","startTime":796.92918417347,"endTime":797.46918367347,"body":"compliance"},{"speaker":"Mark Treichel","startTime":797.46918367347,"endTime":797.64918367347,"body":"and"},{"speaker":"Mark Treichel","startTime":797.64918467347,"endTime":797.87918467347,"body":"big"},{"speaker":"Mark Treichel","startTime":797.87918467347,"endTime":798.02918467347,"body":"on"},{"speaker":"Mark Treichel","startTime":798.02918467347,"endTime":798.24918467347,"body":"fair"},{"speaker":"Mark Treichel","startTime":798.24918467347,"endTime":798.68918467347,"body":"lending"},{"speaker":"Mark Treichel","startTime":798.69918467347,"endTime":798.96918417347,"body":"and"},{"speaker":"Mark Treichel","startTime":798.96918417347,"endTime":799.18918367347,"body":"will"},{"speaker":"Mark Treichel","startTime":799.18918467347,"endTime":799.64918467347,"body":"give"},{"speaker":"Mark Treichel","startTime":799.70918467347,"endTime":800.12918467347,"body":"Chairman"},{"speaker":"Mark Treichel","startTime":800.13918367347,"endTime":800.49918367347,"body":"Harper"},{"speaker":"Mark Treichel","startTime":800.50918367347,"endTime":800.64918367347,"body":"the"},{"speaker":"Mark Treichel","startTime":800.64918467347,"endTime":801.03918467347,"body":"second"},{"speaker":"Mark Treichel","startTime":801.04918467347,"endTime":801.32918467347,"body":"vote."},{"speaker":"Mark Treichel","startTime":801.33918367347,"endTime":801.54918367347,"body":"He"},{"speaker":"Mark Treichel","startTime":801.54918467347,"endTime":801.90918467347,"body":"hasn't"},{"speaker":"Mark Treichel","startTime":801.92918367347,"endTime":802.38918367347,"body":"had"},{"speaker":"Mark Treichel","startTime":802.65918367347,"endTime":802.96918367347,"body":"since"},{"speaker":"Mark Treichel","startTime":802.98918367347,"endTime":803.62918367347,"body":"becoming"},{"speaker":"Mark Treichel","startTime":803.76918467347,"endTime":804.21918467347,"body":"chairman."},{"speaker":"Mark Treichel","startTime":804.2291836734701,"endTime":804.61918367347,"body":"So"},{"speaker":"Mark Treichel","startTime":804.89918367347,"endTime":805.00918367347,"body":"it's"},{"speaker":"Mark Treichel","startTime":805.01918367347,"endTime":805.13918367347,"body":"going"},{"speaker":"Mark Treichel","startTime":805.13918367347,"endTime":805.16918367347,"body":"to"},{"speaker":"Mark Treichel","startTime":805.16918367347,"endTime":805.29918367347,"body":"be"},{"speaker":"Mark Treichel","startTime":805.29918367347,"endTime":805.71918367347,"body":"interesting"},{"speaker":"Mark Treichel","startTime":805.71918367347,"endTime":805.81918367347,"body":"to"},{"speaker":"Mark Treichel","startTime":805.81918367347,"endTime":806.24918367347,"body":"see."},{"speaker":"Mark Treichel","startTime":807.0941846734701,"endTime":807.2841846734699,"body":"where"},{"speaker":"Mark Treichel","startTime":807.2841846734699,"endTime":807.7641846734699,"body":"NCWA"},{"speaker":"Mark Treichel","startTime":807.7941846734701,"endTime":808.12418467347,"body":"goes"},{"speaker":"Mark Treichel","startTime":808.12418467347,"endTime":808.2541846734699,"body":"in"},{"speaker":"Mark Treichel","startTime":808.2541846734699,"endTime":809.0741846734701,"body":"2024,"},{"speaker":"Mark Treichel","startTime":809.0741846734701,"endTime":809.19418467347,"body":"but"},{"speaker":"Mark Treichel","startTime":809.19418467347,"endTime":809.38418467347,"body":"they've"},{"speaker":"Mark Treichel","startTime":809.38418467347,"endTime":809.8441846734701,"body":"hinted"},{"speaker":"Mark Treichel","startTime":809.8541846734701,"endTime":810.16418467347,"body":"very"},{"speaker":"Mark Treichel","startTime":810.16418467347,"endTime":810.64418467347,"body":"strongly"},{"speaker":"Mark Treichel","startTime":810.68418467347,"endTime":810.8441846734701,"body":"on"},{"speaker":"Mark Treichel","startTime":810.8441846734701,"endTime":811.0141846734699,"body":"where"},{"speaker":"Mark Treichel","startTime":811.0141846734699,"endTime":811.22418467347,"body":"that"},{"speaker":"Mark Treichel","startTime":811.22418467347,"endTime":811.39418467347,"body":"will"},{"speaker":"Mark Treichel","startTime":811.39418467347,"endTime":811.7641846734699,"body":"be."},{"speaker":"Mark Treichel","startTime":812.11418467347,"endTime":812.4741846734702,"body":"And"},{"speaker":"Mark Treichel","startTime":812.4841846734702,"endTime":812.7541846734701,"body":"as"},{"speaker":"Mark Treichel","startTime":812.7541846734701,"endTime":812.89418467347,"body":"I've"},{"speaker":"Mark Treichel","startTime":812.89418467347,"endTime":813.3341846734701,"body":"discussed"},{"speaker":"Mark Treichel","startTime":813.3341846734701,"endTime":813.6841846734702,"body":"here"},{"speaker":"Mark Treichel","startTime":813.7341846734702,"endTime":814.0741846734701,"body":"consumer"},{"speaker":"Mark Treichel","startTime":814.0741846734701,"endTime":814.5341846734701,"body":"compliance,"},{"speaker":"Mark Treichel","startTime":814.5341846734701,"endTime":814.7641846734701,"body":"fair"},{"speaker":"Mark Treichel","startTime":814.7641846734701,"endTime":815.2741846734701,"body":"lending,"},{"speaker":"Mark Treichel","startTime":815.3141836734702,"endTime":816.0841836734702,"body":"and"},{"speaker":"Mark Treichel","startTime":816.6041846734702,"endTime":817.1041846734702,"body":"improving"},{"speaker":"Mark Treichel","startTime":817.1041846734702,"endTime":817.2141846734702,"body":"the"},{"speaker":"Mark Treichel","startTime":817.2141846734702,"endTime":817.7141846734702,"body":"timeliness"},{"speaker":"Mark Treichel","startTime":817.7241846734702,"endTime":817.8441846734702,"body":"of"},{"speaker":"Mark Treichel","startTime":817.8441846734702,"endTime":818.6941846734701,"body":"examinations."},{"speaker":"Mark Treichel","startTime":818.6941846734701,"endTime":818.8041846734701,"body":"All"},{"speaker":"Mark Treichel","startTime":818.8041846734701,"endTime":819.0541846734701,"body":"right,"},{"speaker":"Mark Treichel","startTime":819.0541846734701,"endTime":819.3641841734701,"body":"that's"},{"speaker":"Mark Treichel","startTime":819.3641841734701,"endTime":819.6141836734702,"body":"it."},{"speaker":"Mark Treichel","startTime":819.6641846734701,"endTime":819.8741846734702,"body":"This"},{"speaker":"Mark Treichel","startTime":819.8841846734701,"endTime":820.0041846734701,"body":"is"},{"speaker":"Mark Treichel","startTime":820.0041846734701,"endTime":820.2041846734701,"body":"Mark"},{"speaker":"Mark Treichel","startTime":820.2241846734702,"endTime":820.7441846734702,"body":"Treichel"},{"speaker":"Mark Treichel","startTime":820.8241836734701,"endTime":821.2541836734702,"body":"signing"},{"speaker":"Mark Treichel","startTime":821.2541846734701,"endTime":821.4341846734701,"body":"off"},{"speaker":"Mark Treichel","startTime":821.4441836734701,"endTime":821.5841836734702,"body":"with"},{"speaker":"Mark Treichel","startTime":821.5841846734702,"endTime":821.9041841734702,"body":"Flying"},{"speaker":"Mark Treichel","startTime":821.9041841734702,"endTime":822.3441836734702,"body":"Colors."},{"speaker":"Mark Treichel","startTime":822.3441846734702,"endTime":822.4541841734701,"body":"I"},{"speaker":"Mark Treichel","startTime":822.4541841734701,"endTime":823.0241836734701,"body":"appreciate"},{"speaker":"Mark Treichel","startTime":823.0241836734701,"endTime":823.1741836734701,"body":"you"},{"speaker":"Mark Treichel","startTime":823.1741836734701,"endTime":823.6641836734701,"body":"listening"},{"speaker":"Mark Treichel","startTime":823.6641846734701,"endTime":823.8841846734701,"body":"as"},{"speaker":"Mark Treichel","startTime":823.8841846734701,"endTime":824.3741846734702,"body":"always,"},{"speaker":"Mark Treichel","startTime":824.4141846734701,"endTime":824.5641846734701,"body":"and"},{"speaker":"Mark Treichel","startTime":824.5641846734701,"endTime":824.6541846734701,"body":"I"},{"speaker":"Mark Treichel","startTime":824.6541846734701,"endTime":824.9541841734701,"body":"hope"},{"speaker":"Mark Treichel","startTime":824.9541841734701,"endTime":825.1741836734701,"body":"you'll"},{"speaker":"Mark Treichel","startTime":825.1741836734701,"endTime":825.5541836734701,"body":"listen"},{"speaker":"Mark Treichel","startTime":825.6041836734702,"endTime":826.1641836734701,"body":"again"},{"speaker":"Mark Treichel","startTime":826.4141836734701,"endTime":826.9741836734702,"body":"soon."}]}