Richard Shelby actually said...

Well-regulated and transparent financial markets have been and must continue to be one of the central goals of our financial regulatory syst...

Why did you choose such a politically biased construct at this point knowing that would raise red flags for some?

Individuals consistently make choices that they themselves agree diminish their own well-being in significant ways.

I believe this Committee should examine what caused this financial crisis, develop solutions to the problems identified by that examination.