Patrick Toomey actually said...

So if, in fact, the Government comes along and bails out institutions, then there is obviously some level of expectation that the Government...

I think that is the basic mentality of Dodd-Frank.

I think Dr. Admati has something she would like to add to this.

So is it your view that if we repeal Title II, which is the bailout mechanism of Dodd-Frank, and we made the reforms necessary for there to ...