Ben Nelson: “But you're going to come back to us between now and 12 months.”

How are we going to make it work? How are we going to, over a longer strategy, make the dollars work to meet the obligations we've undertaken?

I think we all agree on the necessity of implementing Dodd-Frank, and as you have said, in a sound and reasonable time frame and in a sound and reasonable way to deal with reckless speculation.

I just think there's a danger in going below this level and I think we need to be careful and thoughtful about it.

If there were trust, then it would be much easier for the oversight to move away from transactional to more directional.