It is absolutely critical that we also work to ensure that Federal Government resources are distributed more efficiently in the aftermath.

As the U.S. Government prepares to meet the challenges that are sure to come, we must ensure that our response and recovery mechanisms are strong enough to handle catastrophes ranging from a hurricane in the Gulf of Mexico to an earthquake…

In other words, I am clarifying that had they done this within 30 days and just cut a check, they would not have any interest payment.

I know all of my colleagues are lifting up the people of Japan in their prayers and their thoughts, and we are trying to find ways to help them.

I am not going to stand by and let honest people in Arkansas, Tennessee, or Louisiana be prosecuted for fraud.

But what you are saying is you are very pleased with the changes that have occurred.

Right. And so are you confident that the new procedures are better?

It is always good to see you.

If they go through the appeal process, do they still have to pay interest on the full amount that they have to pay?

They overbought. We saw the memo that says 'buy.' We never saw the memo that says 'stop buying.'

Thank you. Well, I could ask a lot more questions. This is interesting...

But anyway, debit cards would be an example, but there were lots of other examples with FEMA during Hurricane Katrina.