Ed Perlmutter: “Well, all I can say is you are a lot nicer than Milton Friedman.”

I absolutely agree. I think we are up to 600, 700 pages of Ethics provisions... some things that are going to be needed, and there are going to be some things that... need to be cleaned up.

This committee has heard reports of modern-day redlining, high and misleading fees, and unfair use of credit scores.

And I want to thank the panel and all your colleagues for your persistence and your perseverance with this project because it had a few ups and downs over the course of its life.

I think you're probably right that we would have independent, productive, you know, happy people.