Bob Corker actually said...

there is a cost associated with loaning money out to people.

But along with recourse, it does make some degree of difference when the borrower asks for the loan, does it not?

So hopefully as we do regulation we will make sure that this is something that we deal with, that this is not left to the side.

I don't understand why that is not occurring and why somebody isn't willing just to put up some recourse liability to make that get done and...