Jeff Merkley actually said...

"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 is our big win, our cross-selling strategy,' not to disclose..."

"The branch managers were always asking, 'How many solutions'--that is the signing of new accounts--'did you sell today?' They wanted three to four a day."

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

"So you bragged on the one end about the intensive ability to get cross-selling and how that would be beneficial, but the problems that came from that strategy, the very problem that dozens and dozens ..."