I wish they had been right and we had been wrong. But I think the chairman hits it right on point. In the context of the rating agencies, they were playing coach and referee. When you are playing coach and referee, somehow the game does not work out quite all that well. I appreciate what the Senator done in that respect here as well. I think the chairman makes the case very clearly that the definition of insanity is doing the same thing time and time again and expecting a different result. If we want to see what has happened to the American consumer in this country continue--facing the same consequences they have had to face over the last couple years--then we adopt this amendment. But if we want to change that, then we would support the underlying provisions in his bill. I thank the Senator for his leadership.
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