I look at the credit card industry as having been behind the bankruptcy reform and that its primary purpose was to keep people harassed longer before they could get into bankruptcy.

Families who think they are protected may be only one accident, one injury or one diagnosis away from family bankruptcy.

There is nobody you could go to and say, 'Listen, you do not understand.'

In 39 States, two health insurers control at least half of the market.

In nine States, a single insurer controls at least 75 percent of the market.

94 percent of metropolitan areas have a health insurance market that is highly concentrated.

Just sort of a basic element of plain old fair play, isn't it?

I hope that the smooth sailing and passage that you've had through this hearing continues on the floor.

the extent to which the President can direct the exercise of statutory authority that is vested in someone else in the executive branch is one of the great questions of American constitutional law.

to the extent that there are duties that are specifically given to an office by Congress, even if that office holder is an appointee of the President, it may very well be that there are authorities that belong to that office that the…

the point that I am trying to make is that, to the extent that there is some question about the authority that the President can exercise through his assistants and advisers, that is a limitation that pertains to the President himself.

Thank you, Chairman, and thank you for holding this hearing.