We had bad news--the taxpayers overpaid, by $78 billion, for some of these instruments.

The risk appetite here on the Hill, given the way we have seen this top handled so far, is very, very low.

This has been a disaster.

I voted against the TARP and I have not had a moment when I have regretted that decision.

But basically you come to us today on your bicycles after buying Girl Scout cookies and helping out Mother Teresa, telling us, we're sorry. We didn't mean it. We won't do it again. Trust us. America doesn't trust you anymore.

I think they are illegal. I cannot believe no one has prosecuted you on this.

Do you understand that this is a little difficult for most of my constituents to take that you learned your lesson?

You created the mess we are in.

Start loaning the money that we gave you. Get it on the street. And don't say, oh, well, we're not using that money for bonuses. Come on.

I understand what the law says, but I also have absolute and total faith in your ability to go around any law that is clear and unequivocal.

I would much prefer you do, and the reason is, obviously, I believe all you have said thus far.