William M. Thomas: “No, that is the question. They can get insurance. It is not that they cannot get insurance.”

When you are looking for victims and villains rather than essential causes, it is easy to examine the same set of facts and arrive at diametrically different conclusions.

He did not make it here. I was accommodated. I used my time, and then the chairman goes ahead, and this is typical of the way in which you turn things. The chairman goes ahead and then, in inference, accuses me of sandbagging the…

Yes, Dodd-Frank has become law. But as the Administration begins to move in the direction of regulations, you ought to bring them in and examine it again, because I think many of them overreach.

And in addition to that, because one of the things we have tried to do is to take a look at what States and companies are doing in the private sector to get some ideas about whether or not it works, if you take a look at the employer…