Patrick Toomey actually said...

I think that too big to fail is a real concern. I think the real solution is to go to the heart of where the problem is.

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

I would really seriously question the competence of the FDIC to run JPMorgan Chase or to run Lehman Brothers.

But what I understood you to say is that you agree with the premise that the actual activities of the bank ought to be given more weight tha...