Robert Menendez actually said...

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

"It seems to me that when we get to, whether it be in AIG or certain banking institutions that have been defined, that they create systemic risks to our overall economy because they are too big to fail..."

"If it is too expensive to internalize those risks, then that means that we need smaller institutions."

"Isn't that something that we should be concerned about as we look forward in terms of these set of circumstances."