Bob Corker actually said...

we have created years of lack of clarity, and basically all of us up here which create laws hoping--hoping the regulators will do the right ...

And is there a sense that that issue is being resolved?

Risk retention sounded like it as an idea that kind of, oh, boy, let us have risk retention, that will make it all work.

And you would actually advocate changing bankruptcy laws to allow for a different type of seniority.