Deborah Ross actually said...

So, when you present a case to the DOJ and they say, 'Well, there's just insufficient evidence to go before grand jury,' or, 'We don't think...

Thank you, Mr. Chairman. Chair Yellen, thank you very much for being here.

The MetLife decision I think exposed something that we have been concerned about for quite some time.

Let's talk about those guidelines because I know they were brought up earlier, and they are statutorily put in there.