Jack Reed actually said...

So it's good news. But in context, we've got such a long way to go to rebuild employment, that we're not over the hump yet by any stretch of...

Thank you very much, Mr. Chairman, for scheduling this hearing, and I want to thank Mr. Brickell.

the perception of most people looking for a loan, when they go to a broker, is that the broker is working to get the best deal for them.

I think that would have to go, not just in your disclosure form, but in your advertising.