Emanuel Cleaver actually said...

I am hoping that the same thing can happen in every department.

Yes, I would agree. But what you do is that you revisit any of the rules that became an impediment to the game, which is not what we are doi...

I think it was Warren Buffett, I am not sure--I don't think I missed a single meeting when we were dealing with Dodd-Frank.

So they don't have to retain 5 percent, correct?