Michael Capuano actually said...

Especially with our current economic challenges, all of us in Congress are obligated, in my opinion, to create a legal and regulatory enviro...

I wouldn't associate myself too much with the rating agencies after what they did the last couple of years.

I think it is a mistake to pretend that what is will always be.

So the consolidation could happen like it has happened in a thousand other industries before; there is no prohibition?