Luis Gutiérrez actually said...

I guess a slum landlord would say the same thing about regulatory issues when it comes to certain standards that you have to give housing.

I want to remind my colleagues that we were very careful to define the FIO in such a way that limits any negative impact on the industry.

I think everybody should be served, just to make that point.

Let me just suggest to you, since you are not a regulator and you are a monitor, if you monitor AIG, could you call me right away so we can ...