I know we have probably got about 3 or 4 minutes before a quick hour has gone by here, but I go back to my intention here and the question I have got for the chairman. Obviously, a lot of well-intentioned things. Were there some issues and problems, abuses? Absolutely. I was in the real estate industry myself, still am in construction. But the goal of having Dodd-Frank lift our economy, promote financial stability, end too big to fail, it certainly doesn't seem like that from the perspective that I am. And I think all the evidence is overwhelmingly that the answer is a resounding ``no'' on all counts. I would love to hear the chairman's thoughts on that evidence.
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