Well, but if we're talking about time, I mean, I presume the possibility of a quick 363 sale, as happened in the auto industry, could have made this a relatively speedy procedure----

All right, so GM is offering, in effect, to pay a portion of the consumer's finance cost.

So, the notion that somehow we save money by propping up a weaker, more impaired company than we do by cleaning it up and putting it on the block just doesn't add up for me.

Going from $21 billion to $3 billion doesn't look like it fixed itself and that it only started coming back once TALF was in place, a TARP program.

I'm not commenting on what the prior Administration did, I'm just observing what they did.

I've always believed that people misunderstood TARP. We should not be dancing in the street because banks have repaid their TARP funds.

So, right now, your business model is that you have the exclusive right to sell, in effect, zero percent financing on GM cars.

Thank you. I'm past my time.

No matter how many taxpayer dollars we pumped in.

If it had been up to me, I would have told the banks, all of them including GMAC, 'Take the TARP money, charge it off.'

Without GMAC, GM was unlikely to survive?

Thank you very much, Mr. Hull.