But at the end of the day, if we allow millions of people based upon incentives that move individuals to try--entities to try to move individuals to products that are good for the lender and/or the broker but bad for the consumer and…

regulatory policymakers for consumer protection should not be divorced from the responsibility for financial institution safety and soundness.

Are you saying that the proposed legislation that the Administration advocates is going to reach to those previously unregulated entities?

It is another means of transportation, which is important, but it is not without subsidy.

What I object to is pouring huge amounts of money into transit with the thought that we are going to significantly reduce auto driving.

I have expressed my concerns about this announcement about an 18-month delay I know we are talking about in dealing with these issues.

I think it is one of the important things we need to look at.

I would be remiss if I ignored Mr. O'Toole's views that, in fact, we are wasting our money in transit.

Thank you all very much for your testimony.

I have been in those meetings with you and you have made some forceful arguments for a longer-term extension, a full 6-year extension--renewal, I should say, reauthorization.

Empty buses are a disaster. Empty trains are even more of a disaster.

If we do not provide substantial resources in the Senate's comprehensive climate bill to fund clean transportation infrastructure projects and incentivize sensible land use policies around those projects, then we will fail to adequately…