Mike Crapo actually said...

So if I were to look at two of the important issues related to end users, one, their ability to have a customized product, and two, the impa...

And if that is the case, I believe, and I do not want to speak for him, but I believe Mr. Edmonds in the first panel indicated that that inc...

it seems to me like we are raising the cost of capital and reducing the availability of capital for very little benefit.

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