Richard Durbin actually said...

If the SEC regards its obligation to oversee credit rating agencies as a high priority, why were you not able to devote some of the increase...

Guilty, as charged.

But, I guess what I'm getting to is, tell me what your business model looks like.

I have joined a lot of other people in just finishing Michael Lewis' book, 'The Big Short', and it is really an eye-opener of what was going...