All right, so GM is offering, in effect, to pay a portion of the consumer's finance cost.

So, you don't offer cheaper financing than anyone else does in order to support the sale of GM cars?

Thank you very much, Mr. Hull.

I'm not commenting on what the prior Administration did, I'm just observing what they did.

Thank you very much.

I want to understand it better.

Thank you. I just want to stay on time, but I hope we can come back to this.

Ms. Eberley, that's all for now.

Thank you. Mr. McWatters.

We are talking about the importance of capital, and that you need more capital, private capital injected in these banks, not more government money in them.

What I'm asking about though is the role of the regulators in those concentrations. The regulators had the power to make sure that this didn't happen. What went wrong?