Mark Warner actually said...

One common theme from all of you has been--and I think accurately--reflecting that a great deal of the source of the crisis has come from th...

Now I will go save the republic and you can respond to Chairman Warner.

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 argue that is not really a consumer protection function in its traditional sense.