It is important, so important that we don't have a whole generation of young people scarred by this deep recession.

How do we protect the investor?

I share Senator Shelby and Senator Reed's concerns that you have voiced, as well, that some of these new tools that have developed, the credit default swaps, hedge funds, failure to have any regulatory oversight on those new tools.

I think you have now touched on my second point, regulation and transparency enough or actually looking, as you said, at, in effect, the social utility of some of these products in terms of prohibition or not?

It is all about confidence. And he knew in his heart that his children shouldn't have that attitude, and he always said to both of us, 'Go out, save your pennies, buy a home. It is America. You will be fine.'

We are in the midst of the greatest economic challenge we have seen in a generation and we need to look for leaders who understand this, who understand history, and who understand the way markets work.

We think and they have shown that increased patient satisfaction, increased family satisfaction, and, on average, cost savings north of $5,000 per person.

I commend you for doing this, but I do not think some of your other colleagues who have equal challenge, particularly with the Recovery Act funds, have put in place this same kind of oversight.

At some point, in my mind, at least, it needs to be part of the discussion.

Thank you, Mr. Chairman, and I apologize on the front end that these questions may have been addressed...

I think what we are talking about is ways to get a co-investment with the Government and the private sector.

I also believe, as I think you appropriately pointed out, should America move away from coal, India and China are not.