Chuck Schumer actually said...

That ought to stick out. Even accounting for higher debit card use, a worsening credit environment due to the economy, that is a massive inc...

It is one of the reasons I believe the agency that Senator Dodd is proposing... is so needed.

Has that been made public, that proposal?

In retrospect, do you think the regulatory agencies... have done as vigorous a job on consumer protection as they should have?