Elizabeth Warren actually said...

I am glad to hear that we do not have plans to do that in the future.

So you have done some retraining so people now on the phone will explain that a waiver is available?

if we have established a program and that we do have people who are legally entitled to waivers and they want those waivers, that we need to...

Thank you, Mr. Chairman, and thank you very much for holding this hearing today.