Sylvia Garcia actually said...

No wonder people say we do things that don't make sense.

I had just said the very same thing to my colleague from Missouri, because as I have watched things, especially after the financial crisis, ...

we are very worried about the use of fintech to really put out products before they have been well-tested across markets

there is nothing I hate more than payday lenders, quite frankly, because I think payday lenders just make poor people poorer.