Edward Royce actually said...

"I think that is important to flesh out the strategy itself."

"Wouldn't that over time--and I think this was Mr. Waller's argument some years ago; I heard him lay out this case that if we are worried about over-leverage, why would we create a situation where the ..."

"we have put them at a significant disadvantage so that the smaller the institution, the larger the disadvantage"

"we are not letting bankers be bankers"