Michael Capuano actually said...

The insurance industry has clearly and unequivocally changed over the years, as you have said yourself, and become much more complicated.

I didn't hear anybody who actually said that you would rather have the Fed doing this than FIO.

I do believe that slowly but surely over time we are going to come to a more federalized system.

Some people might want to reduce that number and deal with only 30 or whatever the number might be.