Mike Johanns actually said...

It seems to me that there are two really, really important things that really have led in a substantial way to this financial crisis.

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

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...

If we don't figure this piece out, the mechanism won't make a bit of difference.