Brad Sherman actually said...

Free market capitalism does recognize that at times a bank will fail. But it needs to fail as an independent entity.

The only way to prevent the next bailout is to make sure that too-big-to-fail is too-big-to-exist.

I have had the regulators here and I begged them and implored them to allow banks to make prime plus eight loans.

Their counterargument on all this is they can't give us Dr. Afridi, because, oh my God, it will be some terrible circumstance in their count...