Jack Reed actually said...

I think the hearing has indicated that you gentlemen and the regulators have a lot of work to do, and we have got a lot of work to do.

But I think this notion that we are going to let it the good will of the regulators does not work.

I think that is very sound because I think we will anticipate for good reasons and sincere reasons there could be different perspectives, an...

Let me just raise a point that I would like to make, or at least to put on the table...