Jack Reed actually said...

So which check----

Thank you very much, because I think that is an important clarification of what happens, effectively, on the day that the agency stands up.

Well, how effective has it been since I believe Congress in the 1990s--in 1993, 1994--passed HOEPA, which was designed to address the issue ...

I completely concur, and I think the solution is to appropriately raise the debt ceiling, deal with the fiscal issues of the deficit that we...