Jack Reed actually said...

Thinking back to the LIBOR crisis, it was not expert, it was self-interest that caused the deviations from what everyone thought was a compl...

So essentially one of the goals would be to maintain a constant, in parentheses, rate, one that a borrower expected to have throughout the c...

I have great confidence in you. I was very pleased to support you, and you are doing, I think, remarkable work to protect consumers througho...

I think that is really a huge gap in our knowledge of what is going on.