I thank the chairman for the time. So activity-based standards have already been found effective by the Federal Reserve. They work and they were used in evaluating acquisitions on regional banking companies. So Mr. Luetkemeyer is on to a good idea. Mr. Speaker, instead of using $50 billion that was plucked out of thin air in the dead of night in the conference committee in 2010, let's reflect on 7 years and operate in a better way. So I urge support of this bill, Mr. Speaker. I thank Mr. Luetkemeyer for bringing it. I urge our Senators on the other end of this building to look at this as a model for how we should reform Dodd-Frank in their own bill.
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