Jack Reed actually said...

I think what you have really exposed is the complexity of these issues, and there are not just one or two.

I would like to be able to, with the concurrence of my colleague, Senator Crapo, do additional hearings.

Try to prioritize changes that are the least disruptive and the most effective, and that is always good advice.

Well, thank you very much, Mr. Chairman, and thank you, Mr. Cordray, for your excellent work.