I appreciate that. So the answer is, even you believe that there is some role for the Federal Government in natural disasters.

I want to thank the panel for being here today. You are the second-best panel of the day.

Does anybody on the panel think that the United States Government should not respond if Al Qaeda were to set off a chemical device in the United States of America?

We are going to reauthorize TRIA pretty much as it is.

I have deep concerns that the Qualified Mortgage rule will result in less availability of credit for low- and moderate-income borrowers.

I actually found your testimony very interesting and intriguing. I didn't disagree with almost anything anybody said...

There has never been a bill I have ever voted for or against that I didn't like or hate something in it.

I agree. I am no different than anybody else. I want more private capital in as well.

I kind of wish you had been the first panel because the first panel I am sure if you had watched was very thoughtful, very theoretical.

I want to thank the panel for being so patient and for sticking around on this important issue.

I get to vote yes or no.