Jack Reed actually said...

I think you have got to have a new process, and I think if the process requires modification of Federal rules and regulations, that is somet...

I would suggest that you adopt a policy immediately that you are not going to rely upon bank-selected or regulated-selected consultants.

I would suggest you look into the authority question, and I would suggest that both the OCC and the Federal Reserve adopt that approach.

Let me ask the Federal Reserve, because you have a slightly different legislative structure.