Mike Johanns actually said...

You don't have to respond, Doctor. You are----

I think over time it is hard to sustain that. Why? Just simply because one country is going to look at this and, you know, when things stabi...

But to me, that seems to be an important element as we think about what we want to do with the regulatory system.

There was a point in time where someone was compensated based upon the quality of the loan that they wrote.