Jeff Merkley actually said...

The branch managers were always asking, 'How many solutions'--that is the signing of new accounts--'did you sell today?' They wanted three t...

That is not accepting responsibility. This was a systemic problem that you benefited from enormously.

Accepting full responsibility for establishing a culture that put people in an impossible situation would be to resign.

When you sign those reports personally--that is what Sarbanes-Oxley was--didn't you think that that was material when you are saying, 'This ...