It is harder than it looks. I appreciate your being here.

When did you last take--and I know you have not been there forever, so I am really asking about the OCC--a large financial institution, a Wall Street bank to trial?

I appreciate that you say you do not have to bring them to trial. My question is: When did you bring them to trial?

Reducing the SEC's budget at this critical juncture--in the aftermath of the fiscal crisis and after the SEC has been granted significant new responsibilities--would diminish both our ability to police rapidly changing markets and the…

When was the last time you took a big Wall Street bank to trial?

What reassurance can you give that these large Wall Street banks that are trading for below book value, in fact, are adequately transparent and adequately managed?

I am really concerned that 'too big to fail' has become 'too big for trial.' That just seems wrong to me.

Can you identify when you last took the Wall Street banks to trial?

It is impossible to buy a toaster that has a one-in-five chance of bursting into flames and burning down your house, but it is possible to refinance an existing home with a mortgage that has that same one-in-five chance of putting the…

Very valuable. Thank you very much. I appreciate it.

Thank you very much, Ms. Hounsell, for the work you are doing in education, for all of you, the commitment that the companies have made in trying to educate clients.

In the HELP hearing on January 31, 2013, Professor Madrian suggested that it might make sense to provide employers with a simple way to participate in retirement plans, with a minimal burden and minimal regulatory requirements.