Ben Cardin actually said...

So let me follow up on these issues.

And that is so valuable because it streamlines and makes it faster and more predictable.

I really do appreciate that. And I appreciate each of your participations here today, and I look forward to working with each of you as we t...

So the issue, though, of capital is a critical issue because, as has been pointed out by all of you, there have been extreme difficulties of...