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I'm retired http://xxxnx.fun/ xlx  The final rule that we’re considering today puts in place a comprehensive, regulatory capital framework that the board has been developing for some time in consultation with our domestic and international colleagues in central banks and regulatory agencies. Critically, this framework requires our banking organizations to hold more and higher quality capital, capital that will act as a financial cushion to absorb future losses while reducing the incentives for firms to take excessive risks.