The Federal Government continuously rewards irresponsibility at the expense of responsibility.

While I understand the significant impact unreasonable fees can have on consumers, I also recognize that it is the responsibility of individuals to have a better knowledge of their own financial situation.

We owe it to them to see that they get the most for their tax dollars.

I think this illustrates why Congress should play a large role in this process.

It is unfortunate but true that there is a general perception among the American people that we do not spend their money well.

The administration's plan will rely on voluntary participation. Is that correct?

The time the trade is made should be on the tape.

I think this will be an educational hearing about several complex topics that have been in the news lately.

But why should somebody be excluded? That is my basic question.

It seems to me that the SEC has all the power to address the market structure issues that we are talking about today.

As soon as the trade is made, it should be put on the tape so everyone can see it.