Christopher Bond said...

I assure you, Mr. Administrator, we will have to do that.

That was a mistake, in terms of cost, productivity. So, that is a signal not to put timelines on it.

Thank you very much, Mr. Administrator. I am concerned that you talked about, 'We need to find some alternatives. We don...

The only thing I would add, I took a very high-level law school course on banking and bankruptcy.