Kelly Ayotte actually said...

"How do we ensure that we have a permanent change in this culture of responsibility?"

"I do not have a sense of how much that actually happens."

"One thing that I think--obviously what brought us to this position where the guidelines were issued, there were a number of Treasury IG reports that were appalling."

"It seems to me that I see the value in a participant survey, but I think that we need to go beyond that."