Jerry Moran actually said...

Timeframe wise, for implementation of ACA, what happens incrementally between now and 2014, or, its full implementation?

There are bad consequences--you certainly described one scenario of events, but there's another scenario that will come if we do not respond...

There's no need for additional--authority, statutory authority, or--you have the tools that you need?

It's no longer worth the regulatory cost, the fingerprinting of my employees, to make a loan to somebody who lives in our town.