I'm a new ISB guy, so I may be behind the 8 ball here, but I didn't gather a whole lot of NEW information from these Q&A's (as that applies to an ISB).
I learned that I will likely submit some affiliate home loans for consideration under the lending test.
I learned that there will be a stronger emphasis on the responsiveness of an institution to the credit needs of its AA
I learned that there is an equal focus on qualitative impacts as there is quantitative impacts (CD loans, service, investment).
What else? Do I need to re-read this thing?
Maybe you just wanna fly the plane yourself. Well good luck pressing take off, then auto pilot, then land.