Patrick Toomey actually said...

If you do not do that, there is not a person in the world--you know, I have been there.

I think it compounds the problem. It does not solve the problem.

I am wondering if actually each of you could just comment briefly, maybe we will start with Dr. Meltzer and work back.

I think there is a very significant likelihood that it arises mostly from Title II of Dodd-Frank.