Robert Menendez actually said...

Do you agree that, if we were to pass any Federal standards, that States should retain the ability to have their own stronger targets?

I look forward to those consultations because, you know, I appreciate what you want to accomplish. I am cautious about where you are headed.

A lot of questions still remain unanswered.

And on the fraud question I asked you that is in your report, has the Federal Reserve responded to you in terms of your recommendation?