Jon Tester actually said...

The only thing that I would just say is that this board of directors did not do their job. Their executives did not do their job. If they go...

It is also clear that the regulators were not dropping the hammer on these banks, and the executives, or the boards, even when the problems ...

The regulators had the ability to stop this from happening. They did not drop the hammer.

All the signs were there. I mean, all the signs.