Richard Shelby actually said...

This is a real departure from, as you said in your paper, from the model that we have relied on for a long time.

Is your premise basically trying to take risk out of a marketplace? And if there is no risk, there is no marketplace, is there?

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?