Elizabeth Warren actually said...

Actually, thanks to the attraction of Boston, Massachusetts.

Thank you, Mr. Chairman, and thank you to our witnesses for being here and for this thoughtful report that you've put together.

It seems like what we do right now is we encourage risk aversion and just stick with whatever you've done for the last 100 years rather than...

So you are basically saying a lower cost for insurers, and in a perfect market what that will mean is passed-along benefits to customers who...