Tom Coburn actually said...

I come to the conclusion that actually investors would have been better off had there been no OTS

The lesson of OTS is not that we necessarily need more regulators, because clearly regulators can suffer the same flaws as banks--selfishnes...

Well, I would have no doubt that OTS has a system today, especially in light of the hearings that have been held.

In both of your assessments, as you looked at this and you look at OTS--and this is a huge example of regulatory failure.