Jeff Merkley actually said...

"A quick question, then. You referred earlier to the fact that you didn't feel in the AIG situation that you all had much leverage in terms of asking institutions to take a haircut."

"So the challenge of drawing that line between what is customized and providing that opportunity, if you will, to address it, also, then, the challenge that I think this is--I think this is what you ar..."

"How can that be fair?"

"You can either sign up for a line of credit and have your overdraft covered by a line of credit."