Jeff Merkley actually said...

It is strikingly of concern to me that Europe is spending 5 percent of its GDP on infrastructure and we are spending, I believe, about 2 per...

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.

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