Richard Shelby actually said...

Without that, there is no trust out there, is there?

How do we bring securitization back? How do we do this? I mean, it is based on trust, and maybe it is a brick at a time. But it worked so we...

When I was Chairman of this Committee, we acted to address the problem after the SEC failed to take action on its own.

I think we have to tackle the conflict of interest head-on.