I thank the gentlewoman. My colleague from California has raised a very significant issue here. It kind of helps to actually read the guidelines. I have spent 8 years of my life as a regulator trying to protect the consumers from unfair…

Let me wrap up very quickly, then. This is about being fair in the practices of lending. I understand the auto dealers and the indirect lenders would rather not, but there is a history here, as has been stated in the debate, of where…

I believe that, contrary to mischaracterizations prevalent in the media, that the United States Merchant Marine is an essential component of a vast network of logistics contractors that support our U.S. military and sustain and create…

why hasn't it been completed, and where is it stuck?

I would say it is high time.

I am perfectly willing to negotiate downward from 100 percent to 95 percent.

why don't we just ship more cargo, rather than more cash subsidy?

Why not build those ships in America, crew them, put them under American flag?

This is extremely useful testimony. I thank the gentlemen for all of the testimony.

Does that also mean the mariners, as well as the ships?

It means I am uncomfortable, yes.

If we care about America, and it is America's future, everywhere from manufacturing ships, and sailors, and everything in between, this is how we can do it.