Cory Gardner actually said...

I don't think anybody here is saying, let's do away with regulations. We're not saying do away with regulations. We're saying, have smaller,...

I think Dodd-Frank was an overreach because it didn't take enough time to really analyze the true impact to do a well-thought-out response.

Congress has to take a little bit of the blame here. Stay out of our business.

In your mind, this consolidation is being driven by regulatory burden?