Chuck Schumer actually said...

We cannot overestimate the impact this had on the financial crisis.

Yes, but, OK, two points I would make. My time is up. But, number one, it would be done on a random basis and secretly, number one.

There are two areas... that deserve special recognition for the problems.

I think that, in our judgment, one of the reasons it is so critical to move on financial regulatory reform this year is precisely that.