I just wonder if you might address that, and would we not be better off to say we are not doing anything as it relates to commercial real estate?

One of the huge problems that we had and one of the reasons TARP was created, there was no resolution mechanism to deal with highly complex bank holding companies.

There is a brewing commercial real estate issue, and I think everybody knows that.

I think, again, this mystery around it is problematic.

I am glad that we had--are any of us glad that we had to spend this money? Absolutely not.

I would say that had we stuck with that, we would have gotten the kind of yields that I think all taxpayers would want on their money.

I respect very much someone like you coming into public service. I will say that this hearing so far has been not very useful, and those are pretty unclear responses.

I think it should be sunsetted.

But back to the core issue, would we not be better off from the standpoint of creating additional moral hazard here or causing the system to be dependent, just to go ahead and say that you are on your own?

I think it does have distorting effects on capital investment.

I do hope that very soon--because I am afraid we are going to miss a window.

We fought hard to include taxpayer protections and meaningful oversight.