Robert Menendez actually said...

You engineered a highly lucrative equation that made billions on the backs of homeowners, seniors, minorities, and military men and women.

We highly regret that we made even one error, especially to the service men.

One does not go and create offshore entities, at the end of the day, other than to avoid, in some form or fashion, the tax laws of the Unite...

I am not worried about the industry. I am worried about your direction at your bank.