Evan Bayh: “We've got to act. There's a real sense of urgency here.”

Well, and if they have to be focused on capital preservation, then obviously they are not lending, and that is yet another drag upon the recovery, isn't it?

I will make one comment I do not expect you to respond to, but a skeptic might look at all this and say what was really at work here was a choice between an eventual orderly restructuring or a disorderly restructuring that could have been…

These men and women will be the builders who will be responsible for taking abstract concepts and turning them into a reality.

Well, I would encourage you to keep an eye on that because to the extent that they are not harmonized, they can lead to some consequences that could hurt us commercially.