Elizabeth Warren actually said...

The problems originate from the culture of the firms and this culture is largely shaped by the firms' leadership.

I am sorry. Surely, you are not going to take the position, Mr. Dudley, that if most of the time most of what the Fed does is boring or even...

You want the big financial institutions to hold up a mirror and look at their behavior, because, you say, otherwise, we are not going to get...

Illegality is not the test. The test is what threatens the safety and soundness.