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 guess what I wouldn't want is to use the fact that we have these in place for specific reasons to open the floodgates of saying, we don't ...

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.