Tim Scott actually said...

We have done all that because we think bailouts are bad. But I think we need to rethink what we mean by a bailout.

This is correct. One of the techniques we have used to estimate the level of legacy systems is I recently went to some of our key suppliers ...

That is the greater risk. I am quite concerned about it, in total.

it is our recommendation at this point that this is the best we can think of, in terms of how to go forward.