Christopher Dodd actually said...

It would be a mistake to paint every financial institution with the same broad brush.

I can also promise you rating agencies are going to be very much a part of our overall effort.

We are going to again explore ways in which we will try to modernize and improve bank regulation and supervision.

I'm disappointed, frankly, that those who requested this kind of a change didn't have the courage to stand up a couple of days ago and admit...