Tom Coburn actually said...

Where was the Congress in looking at OTS? What was the last time Congress did an oversight hearing on the effectiveness of the OTS or the FD...

I would put forward that we are about to make the same mistakes that we are claiming and accusing those that are coming before us of.

But the data that we showed showed that the people on the ground, the ones that are actually doing the auditing, actually were following gui...

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