Jack Reed actually said...

I am coming to a conviction, that many times these devices are used to avoid regulatory constraints.

until I think you make it clear that this is an important objective, we will get a lot of motion and not a lot of results.

I will concede, it is a difficult problem, but sometimes you have got to send a very strong message.

We are in the midst of this great residential and it goes right to the core of economic confidence and ultimately consumer demand.