Michael Capuano actually said...

The regulators didn't find a serious problem with it, just a little bit of a problem.

Do you think that maybe you kind of waited a little too long?

I am trying to figure out, in times where there really is a run on the bank, where there really is desperation, ordinary protocols sometimes...

I think it's a fair question to ask what they are going to do from this point forward, but they were put together for systemic risk.