Tom Vartanian, served as a lawyer at the Comptroller of the Currency in the late 1970s and then became General Counsel of the Federal Home Loan Bank Board in the newly elected Reagan Administration. We have remained friends to this day. Tom sent me a video from youtube of the ceremony in the Rose Garden in which President Reagan signed the Garn-St. Germain Act of 1982 marking beginning the official deregulation of insured depository institutions to enable these institutions and the government to better cope with sky high interest rates (21 1/2% prime rate) in a highly inflationary environment. It brought back great memories of an extremely challenging and rewarding time serving my country in an extraordinary financial crisis and much needed restructuring of our financial system.