Only Congress could come up with a situation like this where you have to give your recommendations about implementation of the rule.

These men and women will be the builders who will be responsible for taking abstract concepts and turning them into a reality.

I think it is important with regard to Volcker and some of these other things that you look at what was said.

The reason for the study, as I recall, was that many of us understood that there was a potential risk here that probably had to be dealt with.

We need to be realistic about that.

I want to compliment you on that.

It is a practice I refer to as hostage taking for unrelated reasons.

Our budget deficits and debt, which is accurately described, as you pointed out, as unsustainable.

This may be my last opportunity to interact with you in this capacity, and I just want to take this moment to thank you for your service to our country once again.

Well, let us hope we can get some bipartisan cooperation around here in getting our fiscal house in order, which will help with the savings issue.

Capital liquidity standards, resolution protocols, how we handle derivatives, all those kinds of things, it is just important that we harmonize as much as possible.