I appreciate--I am afraid I am going to be out of time here, but I really do have to say on this; this whole thing is premised on the fact that the U.S. Government will be called on to backstop if there is an event of terrorism.

What kind of market impact would it have if we collected a modest fee on the front end for TRIA?

You are not pricing for the risk that the American taxpayer is absorbing.

I yield back. The PRESIDING OFFICER. The Senator from New York.

I thank Senators Durbin and Reed for their extraordinary leadership on this important issue. I also rise today to talk about the crushing burden which student debt places on our college students and on our economy, and I call on Congress…

I would like to speak for another minute about the issue of refinancing student loans. This is real money back in the pockets of people who invested in their education; real money will help young people find a little more financial…

I will work with my colleagues to try to get adequate funding for the program.

I just want to say thank you both very much. You both bring a lot of energy and a lot of innovative ideas to these jobs, and I hope you will be quickly confirmed.

So if we want to increase investments in early education, we need to be very careful that we're investing only in high-quality models.

Perhaps this is a time to note that a 21st century Glass-Steagall would reduce both the size of the financial institutions.

I am not quite sure how this is a deterrent for other CEOs.

All of our regulators have conceded that our largest banks are still too-big-to-fail.