I would disagree with you. It does not shift the burden. The individual has to have the burden of proof that they acted in good faith. It does not say anything about the consumer showing somebody acting in bad faith. The individuals defending themselves have to prove to the court that they acted in good faith. There is no shift of the burden here. Mr. McGOVERN. The burden is on the consumer here. If we have a disagreement here, let's have an amendment; let's have that debate, and let's vote on it. That is all I am asking. We disagree. I think I am right, and I think you are wrong, but let's have that debate.
Steve Stivers: “I would disagree with you. It does not shift the burden. The individual has to have the burden of proof that they acted…”
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