I want to come back to this valuation issue, but I have got a couple of other questions first.

A pricing mechanism, basically.

Too many folks still do not know that--at least Virginians feel that we have totally wasted all that first $350 billion.

the sooner we bite this bullet, the better in terms of trying to get some of these--particularly clean up the balance sheets and get these bad assets off.

It is not a prerequisite to finish the stress test before you----

I want to hear the testimony, as well, and get to the questions. I am just going to give you a heads up. I am going to come back to you on issues around transparency.

I think that is the point that Senator Warner is making, and I think if you have a strong, sensible, balanced regulatory system, the world could also follow us.

So there has to be some protection component.

Even if we have a regulated system, you could make the argument that might be the safer system.

We had that situation last week in the Madoff hearing where we had both SEC and FINRA here, and, you know, asked very much suddenly, you know, on broker-dealers, if somebody says they were an investment adviser and FINRA is looking, they…

I think your question is right at the heart of it.

I had a family member who I warned time and again do not get into this adjustable rate mortgage.

So actually making a risk assessment of the product, and then if the assessment was the product was too risky, then perhaps saying some universes of consumers might not be eligible to----

No examination beyond meeting the definition.

My concern is, Mr. Chairman, that we clearly need to do a better job of protecting the consumer.

I had the opportunity to go to Iraq and Afghanistan here recently, and I heard a number of complaints when I was there about stoppages and malfunctions with the M9 pistol and the M4 rifle.

What I have learned in the meantime is that there is a 2006 study out by the Center for Naval Analysis which polled soldiers who use these weapons in combat and found that 48 percent of the respondents were dissatisfied with the M9…

If we had perhaps had all four of those as criteria, might that have led to a more thorough analysis, not just in this firm but in other firms?