"some people's expectations are actually lowered by the system."
"The QRM amendment which Senator Hagan, myself, and Senator Landrieu wrote, is very specific in what the theme of the requirements shall be in terms of underwriting."
"I will give you the historical data."
"I am proud to be a cosponsor, along with Senators Bingaman and Kohl, of the Lifetime Income Disclosure Act."
"It merely provides participants with additional information so they can make informed choices about retirement."
"Our bill will increase financial literacy, promote increased savings, and encourage participants to think of their 401(k) balance as a vehicle for lifetime income."
"I thank Chairman Harkin for calling this hearing and I welcome the witnesses."
"I appreciate Senator Harkin bringing that up."
"I'll pledge to you to work in a bipartisan way, because it does have to--those acts were both bipartisan;"
"I appreciate Secretary Solis and Mr. Geithner and the others who are on your board;"
"I think we ought to look seriously at working with you to come up with a board structure that makes sense in the challenging times ahead;"