"Data are critical not only because we can't design programs accurately if we don't know what is going on."
"This crisis may have begun with subprime mortgage lending."
"We all should care enormously about the data that we will talk about today and what comes out of this hearing."
"I believe it is unacceptable for us to continue to allow this anomaly to continue."
"I do not believe that the current plan that has been advanced under the TARP legislation... will work to get the credit flowing."
"This policy is likely to prolong the agony and leave a still-wounded banking system dragging down the real economy."
"What we should do instead... is, one, either... we should do what the FDIC normally does."
"Government must be made more responsible to the people."
"People are angry that small businesses are threatened with closure because they can't get financing from their TARP-assisted banks."
"People are angry that even if they have consistently paid their bills on time... their TARP-assisted banks are unilaterally raising their interest rates."
"None of this seems fair."
"We have spent nearly six months... reviewing the response of two administrations to an unprecedented financial crisis."