Michael Capuano actually said...

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 ...

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.