Heidi Heitkamp actually said...

And how have you found in comparison with traditional outreach versus how you are doing it now? What is the damage?

But what did the agency do, or what did DOD do, to mitigate those effects--look at lower cost options, look at ways to do outreach that may ...

And I would suggest to you that the lack of enforcement of existing regulations before Dodd-Frank is a critical component to bank failures.

I consider it an ill thought-out policy response to a critical issue that the Supreme Court has said we need to take a different route on.