Mark Warner actually said...

If we could do it fairly quickly, because I do have another question I want to ask.

I do think that is a valid point, that we sometimes look at the arbitrage in terms of banks that have actually switched charters.

I would just like to make a request to the panel, because it is clear that the panel has got a lot of ideas here.

we ought to have a mechanism to allow that entity to go ahead and fail and not simply be propped up by taxpayer funds