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Let me give you our take on the current situation. After many months of recession and job losses, the economy is beginning to recover. Though substantial uncertainties remain, we are seeing gradual progress in terms of economic activity, and even signs that payrolls are starting to expand and that bank loan performance is beginning to stabilize. But banks continue to set aside provisions for loan losses, and bank failures continue at an elevated pace. While some of the early bank failures in this crisis included large mortgage lenders that offered risky loan products, we are now dealing with problems among smaller community banks with high concentrations of construction and commercial real estate loans. Still, during the past year we have seen some welcome signs of stability in many housing markets. But we still have a long way to go until this crisis is behind us. That's why the FDIC continues to encourage investors who buy failed banks under loss-share agreements to be aggressive in preventing needless foreclosures.