Jack Reed actually said...

"You should, I think, consider that because I think that would draw attention to those institutions which are meeting and exceeding your expectations and those that aren't."

"I just have a problem of being honest with cold calls anyway."

"So essentially, again, and I don't want to be too glib, but you were able to call them and say, 'I've got a deal for you. It's not going to cost you anything. Signup right now, we'll make it real easy..."

"I think that is something important."