Luis Gutiérrez actually said...

Let us just not look at it from one perspective of revenue, but let us look at the potential of additional revenue not only in the banking i...

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.