James Lankford actually said...

Thank you. Let me ask a question just following up on the same line.

Again, that goes back to the common sense thing, and it goes back to the big picture thing.

I think that is one of the key issues we could find is where do they go to say 'make this stop?'

There is a Supreme Court ruling that just came out dealing with the Mortgage Bankers Association and the issue of interpretive rules.