Patrick Toomey actually said...

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 ...

Management has to be all fired regardless of which managers are actually at fault.

Credibility has to be established, and as we do that, of course, we will make mistakes.

Congress did this in an immense rush, and I do not think it was a very thoughtful solution.