John Carney actually said...

Thank you, Chairwoman Capito, for holding this very important hearing to examine the consequences of Dodd-Frank on home ownership.

It is a very interesting hearing. Thank you to the panelists for coming in today and for your expertise.

I didn't find them helpful myself. And I would just like for you each to comment on whether or not there are any real comparisons there.

I was one of the sponsors of the IPO onramp part of the JOBS Act.