Richard Shelby actually said...

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

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

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

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