Jack Reed actually said...

I think we have got to move forward.

We want consumers to have a voice, and, frankly, the notion that this is unchecked, unbounded power is simply wrong.

So one of the aspects of creating this new--and we all understand this is not going to happen next year, this is a phased adaptation going f...

there is a lot of capital going into this market because of the way it is structured, the guarantee, the credit risk aspects.