Mike Rounds actually said...

While there were some irregularities, there were none of the irregularities which would have risen to the point where there would have chang...

That is something which has to be dealt with with policy and not necessarily something that the Fed can impact.

As a consumer, I look at these and I say, OK, there has got to be an opportunity here...

At the same time, it seems to me that we have a regulatory responsibility to make sure that the illicit uses of these types of services are ...