So, superb point, Mr. Wright, and, in fact, can I just expand the point a little bit in asking about this with remotely created checks, the notion that payday lenders are getting access, direct access to people's checking accounts----

Yes, Mr. Hunt, I think you are right. It is the same principle.

Excellent. Thank you very much.

Have you considered participating along with FHFA and CFPB so that we, it helps us get apples to apples comparisons all the way through.

Thank you, Mr. Silberman. Very helpful.

I certainly understand.

Because you would like to see more flexibility there?

I think it is a positive thing that we charge half of what a payday lender charges.

It seems a little shocking to me that in 2013 we are still talking about equal pay for equal work.

I do not think many people know that it is helping support the country's biggest private student loan outfit, Sallie Mae.

I just think that as we think about mortgage finance reform and the role of the Federal home loan banks, I am very impressed by what you say on your Web site.