Patrick McHenry actually said...

The concern, again, is that asterisk. It does actually lead to uncertainty.

I thank the chairman and I would like to yield the balance of my time to the chairman so he can continue his line of questioning from earlie...

That adds to uncertainty. And uncertainty in the financial marketplace means things cost more or are less available.

And to state for the record, the hearing is entitled, How Will the CFPB Function Under Richard Cordray?