Jack Reed actually said...

But it strikes me, stepping back, that because of national policies, Federal Reserve policies, we have lowered the effective interest rates ...

I think, again, if we can get a program like you have suggested--and I concur with the notion there has to be a referee with authority.

I just find it--'ironic' is too mild a term.

I mean, one of the things that we have been trying to do is to incentivize, one way to describe it, a much more proactive, much more focused...