Carl Levin actually said...

But it is supposed to be at least once a year, isn't it?

And then you mean that you would see where the review led to, but your first reaction would be this is a troublesome idea and we better look...

All right. So when Ms. Drew said you were, or she thought you were, she was wrong. You were not.

the OCC allow optimization one time and then from there on, hey, quit it?