Olympia Snowe actually said...

In hindsight, we can look back and see, without a doubt, that the industry and the Nation were simply unprepared for a disaster of this magn...

I think that would be critical and a useful tool to ferret out a lot of the inefficiencies.

I think it's also a manifestation of many of the problems that continue to exist.

I think that one of the issues that has evolved from all of this in creating this vast department is being able to look across the spectrum.