I want you to know that in that letter, I am asking him to take as much charge of Homeland Security as Rumsfeld has done for Defense.

I am sending a letter to Governor Ridge. I have great respect for Governor Ridge.

We have raised the concern, and Senator Mikulski has long called for greater coordination, the development of doctrine on how we can utilize all of our resources.

I hope that you will have the opportunity or some of your colleagues will have the opportunity to present these concerns to our Homeland Security Director, Tom Ridge.

I think we have some very challenging and interesting areas under the jurisdiction of the Subcommittee of VA, HUD, and Independent Agencies of the Appropriations Committee.

We were happy to lend you briefly the Lombardi Trophy, but it is coming back to St. Louis.

I appreciate you being here and I agree with Senator Gramm that your opening statement was unusually clear.

I do not think that the insurance companies are going to develop a book that allows them to be able to do that in that timeframe...

I too would like to give my congratulations and laud you for how the industry has reacted in the post-September 11 time.

I wonder if you have done any economic analysis if we do not act with regard to this.

I think that is the point, when we talk about how healthy the industry is with regard to surplus.

We need a long-term solution that is not just completely dependent on the marketplace making a decision.

That does not make sense to me.

it seems to me this is a particularly inopportune time to have a significant amount of additional risk put into the marketplace.

The point Senator Schumer made I think is an excellent one.

I agree with so much of what you said. You gave an excellent statement. Your endorsement of market-based solutions, I think all of us would agree with that.

It seems to me we are trying to reduce as much as possible the inherent uncertainty in this unprecedented situation.

Even by that analysis, it is a very substantial amount.