Jon Tester actually said...

If the regulators were asleep at the wheel we need to hold them accountable.

if you shut those borders down, they're not going to come there. If the hours are reduced, they're not going to come.

I have talked to a lot of bankers who said if this would have happened before Dodd-Frank the regulations would have stopped this from happen...

It better be fixed. If it is the regulators' fault, it better be fixed. If it is the regulation fault, it better be fixed.