I want to speak plainly and candidly about this issue tonight, because every American should know that it directly affects you and your family's well-being. You should also know that the money you've deposited in banks across the country is safe, your insurance is secure, you can rely on the continued operation of our financial system. That's not the source of concern. The concern is that if we do not restart lending in this country, our recovery will be choked off before it even begins.