GARY G. MILLER: “Our objective, moving forward, should not be to continue arguing over the facts that led us to this point. I sincerely…”

But you have lenders right now who are really keeping capital out of the marketplace because they don't know what is going to happen.

On the recent ruling on Basel III, you acknowledge insurance companies are very different from banks, and you postponed any negative decision on that. I think that was a very, very wise move.

We are starting to see a rebound in the housing market, and that is really important to the economic recovery of this country and for job creation.

We certainly need a well-functioning regulatory system, but it should facilitate growth, not stifle it.