Christopher Dodd actually said...

I do not believe this could ever have been a one-man operation.

The question is how do you do this. We all recognize the problem. Now what is the answer?

We appreciate that very much. And let me just say we appreciate very much as well the Administration's continuing conversation with us.

Instead of helping people understand risk, it was hiding risk, in effect, too often and relying on the people who paid their salaries.