Mike Crapo actually said...

"And you would agree, also, Mr. Duffy, though, that it will undoubtedly drive up the cost of these transactions?"

"to create a lot of capital burdens, to make them hold capital just to sit around pulls that credit out of the system"

"The implications of how we resolve this issue are going to have huge consequences for our economy, and we have got to get it right."

"Thank you very much, Senator Reed, and I appreciate you holding this hearing."