Jeff Merkley actually said...

If it gains a taint of fraud on the front end, it will be very hard to improve on that in the future.

I think it is a reminder of the potential, and that is just retirement savings.

But there is risk that as we try to unwind those positions that we accentuate the crisis and it is a hard thing to manage.

I thought I would turn to the Volcker Rule since my colleague from Tennessee brought it up, and just clarify market making.