if it turns up that our largest banks in the world repeatedly, intentionally lied in order to manipulate the market, do you think it is appropriate for them to be held accountable?

I want to thank you for your steadfast commitment to taking action as you deem appropriate. I am not any different than anybody else; I haven't agreed with everything you have done.

As I understand this, it may happen in 1 day, but it won't impact in 1 day, like everything else.

Because I would appreciate and I think the American people would appreciate it very much if somebody who intentionally lied to manipulate a worldwide market on something that affects every one of our daily lives will be held accountable.

I don't think everybody would like that, but there is a serious question.

It is unrealistic to think that nothing is going to happen.

I particularly welcome your comments on Title II of Dodd-Frank. You have clearly stated that you are not too-big-to-fail.

I would like you to learn it and maybe get back to us on the answer.

It is also security, it is stability, it is operations under the rule of law.

I also fully agree with you on the simplification of regulators. I think we have too many regulators, as well.

I agree with you, but I wish that some of my colleagues on the other side would finally hear that.