If I may interrupt you too, Doctor, before you speak.

Could you give us an idea, or Eastern Maine an idea. Because it is not just Eastern.

We are all trying to get this right, because we have a lot of veterans who are in pain.

It's clear to me and I think everybody in this room that the VA, and God bless them, they are doing a horrible job when it comes to this issue.

Do you think if we are able to balance our books, ma'am, and start paying down our debt, that would help our economy grow?

I happen to think, Chair Yellen, that we ought to do everything we can to grow this economy because that is just not fair and it is not right.

So can't we agree, Chair Yellen, that this overregulation that we have seen in this economy for the past 7 or 8 years has been stifling growth and opportunity?

Now I am paraphrasing, but that--everyone gets the point, I am sure.

You ought to be ashamed of yourself.

You should have been trying to do the right thing, Mr. Stumpf, during these 13 settlements, fines, call them what you want, over 6 years totaling $11 billion.

What do you tell a family who is looking to add their fourth child to their family and they need to put a put a new bathroom in their house in Ellsworth, Maine, and they can't get a loan because of the regulations?