Ben Bernanke actually said...

We want to have market discipline. We want to lenders to, large firms to believe that they can fail and therefore to take due care to make s...

Yes, I think we have made a lot of progress.

The Dodd-Frank Act will help ensure that our financial system becomes safer, stronger and, just as in the past century, the world leader.

We are certainly seeing movement in the right direction in our banking system.