Jeff Merkley actually said...

Everywhere I go in my 36 town halls every county, every year, folks are concerned about the state of the infrastructure.

Dodd-Frank has sought to restore protections and oversight to make our system work better for the middle class and to prevent future crises.

So, I think many folks might consider the current low rates to be the anomaly and that a higher rate might be more expected over time.

Thank you very much, and I think folks are interested in another round of questions.