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CHAIR: - -has a negative connotation. <br />LUM: I just I guess (inaudible). <br />BERRY: She could have used the word unprepared. <br />CHAIR: That would have been a lot more pleasant. <br />L UM: Yeah, it means the same thing. Good old language, right? Good old English <br />language. I did have a question, but I think you answered it. You did really intend criticism of <br />the loan business. <br />BERRY: Yes. And it's not just my friend -- <br />L UM.• -- that's what I got from your letter <br />BERRY: - -I have other friends, too, and I know other small businesses that are <br />struggling to try and acquire loans. <br />LUM: Maybe you all could gather together and take on the banking industry, because I <br />think that's illegal. <br />(WHO ?): Redlining. <br />L UM: Yeah. <br />BERRY: Pahoa has these connotations for (inaudible) in the past, but life's changing, <br />and you know, the caliber of people <br />L UM.• - -But that's not what we're here for. <br />CHAIR: No. <br />L UM: Thank you. <br />CHAIR: Any other questions? Okay, thank you very much. Thank you for coming in. <br />DILL: Thank you. <br />BERRY: You're welcome. <br />CHAIR: Ms. Lloyd Roberts? I've got a couple questions for you. Thanks for coming in. <br />Would you like to first start and give your perception? <br />LLOYD ROBERTS: Well, I know who Rene Siracusa is. <br />UW: But excuse me, wait, may we know (inaudible)? <br />I <br />