Robert Menendez actually said...

"I appreciate that you were ready for my question."

"But up until now, to be honest, wasn't the drive to basically say, leave the marketplace to act on its own, and if consolidation took place, so be it, under the presumption that the regulators were go..."

"The consolidation took place in such a way that entities became so big that they are too big to fail."

"Isn't it equally important to recognize that maybe the earliest and most fundamental failure that led to our current crisis... is a lack of consumer protection."